ZIP Code 20640

ZIP code 20640 is classified by USPS as a standard delivery area and covers roughly 108.1 square miles in Indian Head, Charles County, Maryland. The area is home to 10,438 residents, producing a population density of 97 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 20640 against Maryland and the nation.

On the economic side, the median household income for ZIP 20640 sits at $100,593 (12% below the Maryland average), while per-capita income is $49,439. The poverty rate stands at 8.3% and the unemployment rate at 3.9%. On housing, the median home value is $324,600 (27% below the state average) with median rent at $1,529 per month, and 78.7% of occupied units are owner-occupied, a direct signal of whether 20640 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 24.2% of adults hold a bachelor's degree or higher, the median age is 38.8, and the average commute is 44 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Charles County, so you can benchmark 20640 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →