| ZIP Code | 20736 |
|---|---|
| City | Owings |
| State | Maryland (MD) |
| County | Calvert County |
| Area Code | 227/240 |
| Elevation | 159 ft |
| Latitude | 38.689913 |
|---|---|
| Longitude | -76.617273 |
| Timezone | New York (DST) |
| FIPS | 24009 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.1 yrs ↓ 12% since 2019 |
|---|---|
| Avg Household Size | 2.97 |
| Below Poverty | 1.0% ▼ 91% below avg |
| College Grads | 56.0% ▲ 44% above avg |
| Unemployment | 0.3% ▼ 94% below avg |
| No HS Diploma | 3 (0%) |
| HS Graduate | 1,486 (23.3%) |
| Some College | 517 (8.1%) |
| Associates | 803 (12.6%) |
| Bachelors | 833 (13.1%) |
| Graduate Degree | 2,735 (42.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $159,821 ▲ 109% above avg ↑ 12% since 2019 |
|---|---|
| Median Home Value | $570,900 ▲ 105% above avg ↑ 28% since 2019 |
| Home/Income Ratio | 3.6x (nat avg ~3.5x) |
| Median Rent | $1,755/mo ↑ 32% since 2019 |
| Total Units | 3,470 |
| Vacant Units | 185 |
| Avg HH Size | 2.97 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,470 |
|---|---|
| Vacant | 185 |
| Owner Occupied | 94.5% |
| Renter Occupied | 5.5% |
| Avg HH Size | 2.97 |
ZIP code 20736 is located in Owings, Maryland, within Calvert County. With a population of 9,775, this is a lightly populated ZIP code with a middle-aged community — the median age is 39.1 years. Economically, 20736 is a affluent ZIP code: the median household income of $159,821 is more than double the national average.
Real estate in ZIP code 20736 represents a premium housing market. The median home value of $570,900 is more than double the national average. Renters can expect to pay around $1,755 per month in median rent. Homeownership is strong here — 94.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 28% since 2019.
The population of 20736 is primarily White (79.73%). Residents are well-educated — 56.0% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 1.0%. Household income has grown by 12% since 2019.
The unemployment rate in 20736 stands at 0.3%, which is well below the national average. About 14% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 78%.
Overall, ZIP code 20736 in Owings, MD is characterized as affluent, well-educated, a middle-aged community, and predominantly owner-occupied. With 9,775 residents, a median household income of $159,821, and a median home value of $570,900, it offers a clear picture of life in this part of Maryland.