Issue, MD · standard
ZIP Code 20645
Charles County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 857
- 150/sq mi
- $191,429
- Median income
- $531,500
- Median home value
- 46.1%
- Bachelor's or higher
The verdict
Issue pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 1%
- household income, US ZIPs
- Top 12%
- home value, US ZIPs
- 150
- people per sq mi
- 96%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20645 against every reporting US ZIP.
ZIP code 20645 is classified by USPS as a standard delivery area and covers roughly 5.7 square miles in Issue, Charles County, Maryland. The area is home to 857 residents, producing a population density of 150 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 20645 against Maryland and the nation.
On the economic side, the median household income for ZIP 20645 sits at $191,429 (68% above the Maryland average), while per-capita income is $85,918. The poverty rate stands at 0.0% and the unemployment rate at 0.0%. On housing, the median home value is $531,500 (19% above the state average) with median rent at — per month, and 96.3% of occupied units are owner-occupied, a direct signal of whether 20645 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 46.1% of adults hold a bachelor's degree or higher, the median age is 50.9, and the average commute is —. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Charles County, so you can benchmark 20645 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 →
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 20645, Issue, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
857
Population
5.7
Area (sq mi)
150
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20645?
50.9
Median Age
51.4%
Male
48.6%
Female
1.6%
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?
$191,429
Median Household Income
+68% vs state
$85,918
Per Capita Income
0.0%
Poverty Rate
0.0%
Unemployment Rate
How ZIP 20645 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$191,429 Top 1% higher than 99% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
298
Total Housing Units
298
Occupied Units
0
Vacant Units
2.73
Avg Household Size
Occupancy Type
$531,500
Median Home Value
+19% vs state
1996
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 6 business establishments in ZIP 20645, employing approximately 61 people with a combined annual payroll of $3,070,000.
6
Businesses
61
Employees
$3.1M
Annual Payroll
1
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 3 | 50.0% |
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 20645 vs 20664 →
ZIP 20645 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 22443
Colonial Beach (22443)
8,083 residents
- 20664 2,987
Newburg (20664)
2,987 residents
- 20621 1,373
Chaptico (20621)
1,373 residents
- 20625 1,062
Cobb Island (20625)
1,062 residents
- 20645 857
Issue (20645)
857 residents
- 20618 607
Bushwood (20618)
607 residents
- 22448 599
Dahlgren (22448)
599 residents
- 20626 373
Coltons Point (20626)
373 residents
- 20632 347
Faulkner (20632)
347 residents
What this shows Among its immediate neighbors, ZIP 20645 ranks #5 by population — useful context the national average alone can't give.
ZIP 20645 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20645
Issue (20645)
$191,429 median income
- 20618
Bushwood (20618)
$105,508 median income
- 22448
Dahlgren (22448)
$96,000 median income
- 20664
Newburg (20664)
$88,438 median income
- 22443 $64,810
Colonial Beach (22443)
$64,810 median income
What this shows By household income, ZIP 20645 ranks the highest of 5 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
More ZIP Codes in Charles County
Related Areas
Frequently Asked Questions
What county is ZIP code 20645 in? ▼
What is the population of ZIP code 20645? ▼
What is the median household income in ZIP 20645? ▼
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What is the demographic makeup of ZIP 20645? ▼
How many businesses are in ZIP code 20645? ▼
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ZIP Code Research Guides
Official Data Resources for Issue, MD
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.