ZIP Code 20646

ZIP code 20646 is classified by USPS as a standard delivery area and covers roughly 213.7 square miles in La Plata, Charles County, Maryland. The area is home to 18,890 residents, producing a population density of 88 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 20646 against Maryland and the nation.

On the economic side, the median household income for ZIP 20646 sits at $131,974 (16% above the Maryland average), while per-capita income is $55,317. The poverty rate stands at 5.6% and the unemployment rate at 3.3%. On housing, the median home value is $450,200 (1% above the state average) with median rent at $1,541 per month, and 86.5% of occupied units are owner-occupied, a direct signal of whether 20646 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 34.9% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is 39 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Charles County, so you can benchmark 20646 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 →