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

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 20645?

50.9

Median Age

51.4%

Male

48.6%

Female

1.6%

Foreign-Born

White 85.1%
African American 0.9%
Asian 0.0%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 13.8%
Hispanic or Latino 0.0%

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

$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%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). This entry sits in this band. $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 77.2%
Bachelor's Degree or Higher 46.1%

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

Owner 96.3%
Renter 3.7%

$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.

residents

What this shows Among its immediate neighbors, ZIP 20645 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 20645 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 20645 ranks the highest of 5 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
20664 Newburg, MD 2,987 3.9 mi
20625 Cobb Island, MD 1,062 3.9 mi
20618 Bushwood, MD 607 6.4 mi
20621 Chaptico, MD 1,373 6.4 mi
22448 Dahlgren, VA 599 7.5 mi
20632 Faulkner, MD 347 9.7 mi
22443 Colonial Beach, VA 8,083 9.5 mi
20626 Coltons Point, MD 373 9.1 mi

More ZIP Codes in Charles County

Frequently Asked Questions

What county is ZIP code 20645 in?
ZIP code 20645 (Issue) 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 20645?
ZIP code 20645 in Issue, MD has a population of 857 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20645?
The median household income in ZIP 20645 is $191,429, which is 151% above the national average of $76,288.
What is the average home value in ZIP 20645?
The median home value in ZIP 20645 is $531,500, which is 91% above the national average of $278,155.
What is the demographic makeup of ZIP 20645?
The largest racial group in ZIP 20645 is White at 85.1%.
How many businesses are in ZIP code 20645?
ZIP code 20645 has 6 business establishments employing approximately 61 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 20645?
In ZIP code 20645, 77.2% of residents aged 25+ have a high school diploma or higher, and 46.1% 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 20645?
In ZIP code 20645, approximately 96.3% of occupied housing units are owner-occupied and 3.7% are renter-occupied, based on Census ACS 2023 data.

ZIP Code Research Guides

Official Data Resources for Issue, MD

Verify and explore additional data for this area using these official government sources.