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Residential delivery area · Maryland

ZIP Code 20646: La Plata, MD

ZIP code 20646 uses the postal name La Plata, Maryland and lies entirely in Charles County (Census 2020 ZIP-county file). About 21,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $131,974 (Census Bureau, ACS 2020-2024). By Census place, its land lies in La Plata (9%) and Bryans Road (5%), and under 1% in smaller places; 85% is outside any Census place.

  • ACS2020-24
  • Census2020
  • FHFA2025
  • ZBP2023
  • IRS2022
2national area: Maryland, District of Columbia, North Carolina, South Carolina, Virginia and West Virginia
206sectional center: Southern, MD (SCF 207)
46delivery area within it
Town
La Plata · its only residential ZIP
Census places
La Plata (9%); Bryans Road (5%) census-designated place
Neighborhoods
Charowood, Clarks Run, Haldane, Hickory Ridge, Kent Square, Kings Grant and 5 more GeoNames
Metro area
Washington-Arlington-Alexandria, DC-VA-MD-WV
House district
MD-5 119th Congress
Time zone
Eastern
Land area
79.8 sq mi · 268 people per sq mi

Where is ZIP code 20646?

20646 centers on 38.521°, -77.000° and covers 79.8 square miles of land plus 0.7 of water. It borders 12 ZIP codes: 20677, 20675, 20611, 20695, 20693, 20602, 20632, 20617, 20622, 20640 and more.

20602 · Waldorf20611 · Bel Alton20616 · Bryans Road20617 · Bryantown20622 · Charlotte Hall20632 · Faulkner20640 · Indian Head20662 · Nanjemoy20675 · Pomfret20677 · Port Tobacco20693 · Welcome20695 · White Plains20646 · La Plata (this ZIP)20646206222064020662206932069520677206022061120616206322061720602 · Waldorf20611 · Bel Alton20616 · Bryans Road20617 · Bryantown20622 · Charlotte Hall20632 · Faulkner20640 · Indian Head20662 · Nanjemoy20675 · Pomfret20677 · Port Tobacco20693 · Welcome20695 · White Plains20646 · La Plata (this ZIP)20646206222064020662206932069520677206022061120616206322061720602 · Waldorf20611 · Bel Alton20616 · Bryans Road20617 · Bryantown20622 · Charlotte Hall20632 · Faulkner20640 · Indian Head20662 · Nanjemoy20675 · Pomfret20677 · Port Tobacco20693 · Welcome20695 · White Plains20646 · La Plata (this ZIP)2064620622206402066220693206952067720602206112061620617
Shaded by median household income, in national fifths (ACS 2020-2024); 20646 outlined. Census 2020 ZCTA boundaries. <$54.1k$98.1k+no figure

The map draws ZIP code areas only. For the streets inside 20646, open its center on OpenStreetMap.

Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.

How does 20646 compare with the rest of Charles County?

Rank of 20646 among the residential ZIP codes of its town, county and state (1 = the most; income and home value among ZIP codes of 1,000+ people living in households)
Measure20646In Charles CountyIn MD
People (ACS 2020-2024)21,4005th of 25119th of 477
Median household income$132k7th of 1389th of 293
Median home value$450k10th of 18141st of 320

Its median household income is higher than in 93% of U.S. residential ZIP codes, and it is denser than 66% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).

How many people live in 20646?

The 2020 Census counted 20,411 people in 20646; the ACS, which samples households over 2020-2024, estimates 21,400. Between the 2010 and 2020 censuses its population grew 8.1% (its boundary stayed at least 90% the same).

People, ACS 2020-2024
21,400
2020 Census count
20,411+8.1% since 2010 (18,890)
Households
7,756
Median age
42.9

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).

Who lives in 20646?

Of the 21,400 people the ACS estimates in 20646, 21.5% are under 18 and 18.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (60.9%), then Black (not Hispanic) (24.5%).

  • Under 1821.5%
  • 18 to 6460.4%
  • 65 and older18.0%
Age of the people of 20646 (ACS 2020-2024, B01001)
  • White, not Hispanic60.9%
  • Black, not Hispanic24.5%
  • Other or two or more7.6%
  • Hispanic or Latino4.1%
  • Asian, not Hispanic2.9%
Race and Hispanic origin in 20646 (ACS 2020-2024, B03002); each person counted once

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.

What do households in 20646 earn?

Median household income is $131,974 (ACS 2020-2024), the 7th highest of the 13 ranked ZIP codes in Charles County. It is not measurably different from 2015-2019 ($126,936 in 2024 dollars): the change is within the surveys' margins of error.

Median household income
$131,974
Income per person
$55,317
Below the poverty line
5.6%
Unemployed (of the labor force)
3.3%
Adults 25+ with a bachelor's degree
34.9%
Adjusted gross income per tax return, 2022
$97,22710,750 returns; wages 72% of AGI (IRS)

Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).

What are homes worth in 20646?

FHFA's house price index for 20646, built from repeat sales and appraisals of the same homes, rose 58% from 2015 to 2025 and rose 37% from 2020 to 2025, and moved +2.3% in 2025.

Median home value (owners' estimate)
$450,200
Median gross rent
$1,541
Homes owned by their occupants
86.5%
Housing units
8,332
0 100 200 300 400 500 197919902000201020202025 0 100 200 300 400 500 197919902000201020202025 0 100 200 300 400 500 197919902000201020202025
Index = 100 in 1979, the first year FHFA reports for 20646; 2025: 538.8. Annual, not seasonally adjusted; FHFA calls its ZIP-level indexes developmental.

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.

What businesses are in 20646?

528 business establishments had a location in this ZIP code in 2023, 21 more than in 2018; the most are in construction (ZIP Code Business Patterns).

  • Construction78
  • Health care and social assistance72
  • Professional, scientific, and technical services69
  • Accommodation and food services66
  • Retail trade59
  • Other services (except public administration)57

Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).

Which ZIP codes are next to 20646?

ZIP codes that share a boundary with 20646, then the nearest by center
ZIPTownPeopleHousehold incomeDistance
20677Port Tobacco2,088$166k2.7 mi
20675Pomfret1,796$127k4.4 mi
20611Bel Alton1,219$152k4.6 mi
20695White Plains16,407$142k4.8 mi
20693Welcome1,496$126k6.4 mi
20602Waldorf28,331$107k7.1 mi
20632Faulkner485–7.2 mi
20617Bryantown334$104k8.1 mi
20622Charlotte Hall5,185$124k9.7 mi
20640Indian Head10,685$101k10.9 mi
20616Bryans Road8,057$128k11.1 mi
20662Nanjemoy2,129$87k12.8 mi

Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.