Indian Head, MD · standard
ZIP Code 20640
Charles County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 10,438
- 97/sq mi Moderate-density area
- $100,593
- Median income Above-median income area
- $324,600
- Median home value Above-median home value
- 24.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Indian Head pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.
- Top 19%
- household income, US ZIPs
- Top 30%
- home value, US ZIPs
- 97
- people per sq mi
- 79%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20640 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 20640 (Indian Head, MD) rose +7.6% from 2023 to 2024. The all-transactions index moved from 261.8 in 2023 to 281.7 in 2024 (2000 = 100).
ZIP code 20640 is a mid-sized community (a standard USPS delivery area) in Indian Head, Charles County, Maryland, home to 10,438 residents across 108.1 square miles, a density of 97 people per square mile, in the New York time zone.
ZIP 20640 lands in the middle-income range, with a median household income of $100,593 (12% below the average Maryland ZIP), while per-capita income is $49,439. The poverty rate is 8.3%, with unemployment at 3.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $324,600 (27% below the average Maryland ZIP), and median rent is $1,529; owner occupancy is 78.7%.
Educational attainment sits below the national norm: 24.2% of adults hold a bachelor's degree or higher, the median age is 38.8, and the average commute is 44 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Charles County, so 20640 can be compared with both its immediate and county-level context.
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 20640
Top 5 sectors by establishment count in Indian Head, MD
Which industries have the most business establishments in ZIP 20640.
- Other services (except public administration)
Other services (except public administration)
20 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
16 establishments
- Accommodation and food services
Accommodation and food services
10 establishments
- Retail trade
Retail trade
8 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
8 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20640, Indian Head, 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
10,438
Population
108.1
Area (sq mi)
97
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20640?
38.8
Median Age
47.5%
Male
52.5%
Female
3.6%
Foreign-Born
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?
$100,593
Median Household Income
-12% vs state ZIP avg
$49,439
Per Capita Income
8.3%
Poverty Rate
3.9%
Unemployment Rate
44.4 min
Mean Commute Time
How ZIP 20640 ranks among Maryland ZIPs
Indian Head, MD household income vs. every Maryland ZIP code
Median household income among 419 reporting Maryland ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$100,593 46th percentile higher than 46% of 419 Maryland ZIPs
Each bar is a $20K-wide band; taller bars hold more Maryland 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,501housing units
4,501
Total Housing Units
4,163
Occupied Units
338
Vacant Units
2.49
Avg Household Size
Occupancy Type
$324,600
Median Home Value
-27% vs state ZIP avg
$1,529
Median Rent
1976
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
+7.6%
YoY Change (2024)
282
HPI Index (2000 = 100)
+182%
Total Change Since 2000
Home values in ZIP 20640 have increased 7.6% over the past year (2024). Since 2000, this ZIP has seen +182% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.4% | 178 |
| 2021 | +16.3% | 206 |
| 2022 | +10.1% | 227 |
| 2023 | +15.3% | 262 |
| 2024 | +7.6% | 282 |
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 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 94 business establishments in ZIP 20640, employing approximately 494 people with a combined annual payroll of $24,654,000.
94
Businesses
494
Employees
$24.7M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 20 | 21.3% |
| Professional, scientific, and technical services | 16 | 17.0% |
| Accommodation and food services | 10 | 10.6% |
| Retail trade | 8 | 8.5% |
| Real estate and rental and leasing | 8 | 8.5% |
| Construction | 7 | 7.5% |
| Administrative and support and waste management and remediation services | 7 | 7.5% |
| Health care and social assistance | 6 | 6.4% |
| Transportation and warehousing | 5 | 5.3% |
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 20640 vs 20658 →
ZIP 20640 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 22191
Woodbridge (22191)
57,598 residents
- 22079
Lorton (22079)
32,059 residents
- 22026 14,258
Dumfries (22026)
14,258 residents
- 20640 10,438
Indian Head (20640)
10,438 residents
- 22060 8,878
Fort Belvoir (22060)
8,878 residents
- 20616 5,857
Bryans Road (20616)
5,857 residents
- 20662 2,934
Nanjemoy (20662)
2,934 residents
- 20677 2,322
Port Tobacco (20677)
2,322 residents
- 20675 1,671
Pomfret (20675)
1,671 residents
What this shows Among its immediate neighbors, ZIP 20640 ranks #4 by population - useful context the national average alone can't give.
ZIP 20640 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20677
Port Tobacco (20677)
$165,764 median income
- 22079
Lorton (22079)
$148,134 median income
- 20616
Bryans Road (20616)
$128,177 median income
- 20675
Pomfret (20675)
$127,269 median income
- 20693
Welcome (20693)
$126,033 median income
- 22026
Dumfries (22026)
$124,318 median income
- 22191
Woodbridge (22191)
$109,316 median income
- 22060
Fort Belvoir (22060)
$105,605 median income
- 20658
Marbury (20658)
$104,375 median income
What this shows By household income, ZIP 20640 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20658 | Marbury, MD | 854 | 0.5 mi |
| 22026 | Dumfries, VA | 14,258 | 7.2 mi |
| 22060 | Fort Belvoir, VA | 8,878 | 10.3 mi |
| 20662 | Nanjemoy, MD | 2,934 | 8.7 mi |
| 20675 | Pomfret, MD | 1,671 | 7.7 mi |
| 20693 | Welcome, MD | 1,088 | 7.8 mi |
| 22079 | Lorton, VA | 32,059 | 8.9 mi |
| 20616 | Bryans Road, MD | 5,857 | 7.8 mi |
| 22191 | Woodbridge, VA | 57,598 | 7.4 mi |
| 20677 | Port Tobacco, MD | 2,322 | 7.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20640, both outside MD so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (10,438 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Charles County
Related Areas
Frequently Asked Questions
What county is ZIP code 20640 in?
ZIP code 20640 (Indian Head) is located in Charles County, Maryland. Charles County contains multiple ZIP codes, see the full list at /counties/charles-md.
What is the population of ZIP code 20640?
ZIP code 20640 in Indian Head, MD has a population of 10,438 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20640?
The median household income in ZIP 20640 is $100,593, which is 32% above the national average of $76,288.
What is the average home value in ZIP 20640?
The median home value in ZIP 20640 is $324,600, which is 17% above the national average of $278,155.
What is the demographic makeup of ZIP 20640?
The largest racial group in ZIP 20640 is African American at 43.7%. Hispanic or Latino residents make up 7.3% of the population.
How many businesses are in ZIP code 20640?
ZIP code 20640 has 94 business establishments employing approximately 494 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20640?
The top industries by establishment count in ZIP 20640 are: Other services (except public administration) (20), Professional, scientific, and technical services (16), Accommodation and food services (10). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 20640?
According to the FHFA House Price Index, home values in ZIP 20640 increased by 7.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 182%. 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 20640?
In ZIP code 20640, 60.3% of residents aged 25+ have a high school diploma or higher, and 24.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 20640?
The mean commute time for workers in ZIP code 20640 is 44.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 20640?
In ZIP code 20640, approximately 78.7% of occupied housing units are owner-occupied and 21.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20640?
The poverty rate in ZIP code 20640 is 8.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 20640's numbers, next.
- See how ZIP 20640 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Indian Head, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.