PlainZIP

Callaway, MD · standard

ZIP Code 20620

St. Mary's County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,443
144/sq mi
$165,972
Median income
$391,300
Median home value
24.9%
Bachelor's or higher

The verdict

Callaway pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 2%
household income, US ZIPs
Top 21%
home value, US ZIPs
144
people per sq mi
96%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20620 against every reporting US ZIP.

ZIP code 20620 is a sparsely populated ZIP (a standard USPS delivery area) in Callaway, St. Mary's County, Maryland, home to just 1,443 residents across 10.0 square miles, a density of 144 people per square mile, in the New York time zone.

ZIP 20620 skews affluent, with a median household income of $165,972 (45% above the Maryland average), while per-capita income is $57,323. 4.9% of residents live below the poverty line, and the unemployment rate reads 0.0%. Housing costs here run $391,300 for a typical home value (13% below the state average), with rent averaging - a month; 96.4% of homes are owner-occupied.

Educational attainment sits below the national norm: 24.9% of adults hold a bachelor's degree or higher, the median age is 41.6, and the average commute is -. To put 20620 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in St. Mary's County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 20620

Top 5 sectors by establishment count in Callaway, MD

Which industries have the most business establishments in ZIP 20620.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20620, Callaway, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

1,443

Population

10.0

Area (sq mi)

144

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 20620?

41.6

Median Age

51.6%

Male

48.4%

Female

4.7%

Foreign-Born

White 64.4%
African American 3.8%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 31.8%
Hispanic or Latino 28.9%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$165,972

Median Household Income

+45% vs state

$57,323

Per Capita Income

4.9%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 20620 ranks nationally

Callaway, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$165,972 Top 2% higher than 98% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). This entry sits in this band. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 53.4%
Bachelor's Degree or Higher 24.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

456

Total Housing Units

389

Occupied Units

67

Vacant Units

2.86

Avg Household Size

Occupancy Type

Owner 96.4%
Renter 3.6%

$391,300

Median Home Value

-13% vs state

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+5.2%

YoY Change (2021)

205

HPI Index (2000 = 100)

+105%

Total Change Since 2000

Home values in ZIP 20620 have increased 5.2% over the past year (2021). Since 2000, this ZIP has seen +105% cumulative appreciation.

Year Annual Change HPI Index
2017 -3.3% 171
2018 +7.0% 183
2019 +9.0% 199
2020 -2.1% 195
2021 +5.2% 205

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 36 business establishments in ZIP 20620, employing approximately 452 people with a combined annual payroll of $17,345,000.

36

Businesses

452

Employees

$17.3M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Retail trade 9 25.0%
Accommodation and food services 6 16.7%
Other services (except public administration) 5 13.9%
Construction 3 8.3%
Transportation and warehousing 3 8.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 20620 vs 20634 →

ZIP 20620 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 20620 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 20620 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 20620 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
20634 Great Mills, MD 5,927 1.7 mi
20619 California, MD 10,503 4.1 mi
20692 Valley Lee, MD 1,051 3.5 mi
20690 Tall Timbers, MD 740 4.8 mi
20653 Lexington Park, MD 24,481 4.9 mi
20667 Park Hall, MD 494 4.5 mi
20674 Piney Point, MD 830 6.8 mi
20630 Drayden, MD 348 5.5 mi
20686 Saint Marys City, MD 1,332 6.2 mi
20650 Leonardtown, MD 13,717 6.7 mi

More ZIP Codes in St. Mary's County

20653 standard
Lexington Park, MD
Pop: 24,481
20659 standard
Mechanicsville, MD
Pop: 23,498
20650 standard
Leonardtown, MD
Pop: 13,717
20619 standard
California, MD
Pop: 10,503
20636 standard
Hollywood, MD
Pop: 9,937
20634 standard
Great Mills, MD
Pop: 5,927

Related Areas

St. Mary's County Callaway, MD Maryland

Frequently Asked Questions

What county is ZIP code 20620 in? ▼
ZIP code 20620 (Callaway) is located in St. Mary's County, Maryland. St. Mary's County contains multiple ZIP codes, see the full list at /counties/st-marys-md.
What is the population of ZIP code 20620? ▼
ZIP code 20620 in Callaway, MD has a population of 1,443 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20620? ▼
The median household income in ZIP 20620 is $165,972, which is 118% above the national average of $76,288.
What is the average home value in ZIP 20620? ▼
The median home value in ZIP 20620 is $391,300, which is 41% above the national average of $278,155.
What is the demographic makeup of ZIP 20620? ▼
The largest racial group in ZIP 20620 is White at 64.4%. Hispanic or Latino residents make up 28.9% of the population.
How many businesses are in ZIP code 20620? ▼
ZIP code 20620 has 36 business establishments employing approximately 452 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20620? ▼
The top industries by establishment count in ZIP 20620 are: Retail trade (9), Accommodation and food services (6), Other services (except public administration) (5). There are 5 industry sectors represented in total.
How have home values changed in ZIP code 20620? ▼
According to the FHFA House Price Index, home values in ZIP 20620 increased by 5.2% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 105%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 20620? ▼
In ZIP code 20620, 53.4% of residents aged 25+ have a high school diploma or higher, and 24.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 20620? ▼
In ZIP code 20620, approximately 96.4% of occupied housing units are owner-occupied and 3.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20620? ▼
The poverty rate in ZIP code 20620 is 4.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.