Lusby, MD · standard
ZIP Code 20657
Calvert County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 20,483
- 263/sq mi
- $115,748
- Median income
- $333,500
- Median home value
- 33.3%
- Bachelor's or higher
The verdict
Lusby pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 11%
- household income, US ZIPs
- Top 29%
- home value, US ZIPs
- 263
- people per sq mi
- 87%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20657 against every reporting US ZIP.
ZIP code 20657 is classified by USPS as a standard delivery area and covers roughly 77.9 square miles in Lusby, Calvert County, Maryland. The area is home to 20,483 residents, producing a population density of 263 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 20657 against Maryland and the nation.
On the economic side, the median household income for ZIP 20657 sits at $115,748 (1% above the Maryland average), while per-capita income is $54,496. The poverty rate stands at 3.8% and the unemployment rate at 2.8%. On housing, the median home value is $333,500 (25% below the state average) with median rent at $1,755 per month, and 87.2% of occupied units are owner-occupied, a direct signal of whether 20657 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 33.3% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 39 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Calvert County, so you can benchmark 20657 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 →
Top industries in ZIP 20657
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 20657.
- Other services (except public administration)
Other services (except public administration)
30 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
28 establishments
- Construction
Construction
26 establishments
- Accommodation and food services
Accommodation and food services
20 establishments
- Retail trade
Retail trade
17 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 20657, Lusby, 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
20,483
Population
77.9
Area (sq mi)
263
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20657?
37.4
Median Age
51.2%
Male
48.8%
Female
4.3%
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?
$115,748
Median Household Income
+1% vs state
$54,496
Per Capita Income
3.8%
Poverty Rate
2.8%
Unemployment Rate
38.9 min
Mean Commute Time
How ZIP 20657 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$115,748 Top 11% higher than 89% 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?
8,178
Total Housing Units
7,371
Occupied Units
807
Vacant Units
2.81
Avg Household Size
Occupancy Type
$333,500
Median Home Value
-25% vs state
$1,755
Median Rent
1990
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
+10.0%
YoY Change (2024)
239
HPI Index (2000 = 100)
+139%
Total Change Since 2000
Home values in ZIP 20657 have increased 10.0% over the past year (2024). Since 2000, this ZIP has seen +139% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.7% | 173 |
| 2021 | +10.0% | 190 |
| 2022 | +7.4% | 204 |
| 2023 | +6.3% | 217 |
| 2024 | +10.0% | 239 |
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 181 business establishments in ZIP 20657, employing approximately 2,217 people with a combined annual payroll of $189,922,000.
181
Businesses
2,217
Employees
$189.9M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 30 | 16.6% |
| Professional, scientific, and technical services | 28 | 15.5% |
| Construction | 26 | 14.4% |
| Accommodation and food services | 20 | 11.1% |
| Retail trade | 17 | 9.4% |
| Health care and social assistance | 12 | 6.6% |
| Real estate and rental and leasing | 9 | 5.0% |
| Administrative and support and waste management and remediation services | 9 | 5.0% |
| Transportation and warehousing | 7 | 3.9% |
| Utilities | 6 | 3.3% |
| Finance and insurance | 5 | 2.8% |
| Manufacturing | 3 | 1.7% |
| Wholesale trade | 3 | 1.7% |
| Educational services | 3 | 1.7% |
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 20657 vs 20629 →
ZIP 20657 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20657
Lusby (20657)
20,483 residents
- 20619
California (20619)
10,503 residents
- 20636
Hollywood (20636)
9,937 residents
- 20685 6,471
Saint Leonard (20685)
6,471 residents
- 20634 5,927
Great Mills (20634)
5,927 residents
- 20676 3,871
Port Republic (20676)
3,871 residents
- 20688 1,828
Solomons (20688)
1,828 residents
- 20670 1,014
Patuxent River (20670)
1,014 residents
- 20629 535
Dowell (20629)
535 residents
What this shows Among its immediate neighbors, ZIP 20657 ranks the most populous — useful context the national average alone can't give.
ZIP 20657 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20636
Hollywood (20636)
$163,690 median income
- 20676
Port Republic (20676)
$156,657 median income
- 20634
Great Mills (20634)
$139,375 median income
- 20619
California (20619)
$119,432 median income
- 20685
Saint Leonard (20685)
$119,135 median income
- 20657
Lusby (20657)
$115,748 median income
- 20688
Solomons (20688)
$102,950 median income
- 20629
Dowell (20629)
$87,389 median income
- 20670
Patuxent River (20670)
$70,371 median income
What this shows By household income, ZIP 20657 ranks #6 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20629 | Dowell, MD | 535 | 3.3 mi |
| 20688 | Solomons, MD | 1,828 | 3.5 mi |
| 20670 | Patuxent River, MD | 1,014 | 7.1 mi |
| 20685 | Saint Leonard, MD | 6,471 | 5.7 mi |
| 20615 | Broomes Island, MD | 405 | 6.1 mi |
| 20636 | Hollywood, MD | 9,937 | 7.1 mi |
| 20619 | California, MD | 10,503 | 7.8 mi |
| 20634 | Great Mills, MD | 5,927 | 10.0 mi |
| 20676 | Port Republic, MD | 3,871 | 9.1 mi |
More ZIP Codes in Calvert County
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Frequently Asked Questions
What county is ZIP code 20657 in? ▼
What is the population of ZIP code 20657? ▼
What is the median household income in ZIP 20657? ▼
What is the average home value in ZIP 20657? ▼
What is the demographic makeup of ZIP 20657? ▼
How many businesses are in ZIP code 20657? ▼
What are the main industries in ZIP code 20657? ▼
How have home values changed in ZIP code 20657? ▼
What is the education level in ZIP code 20657? ▼
What is the average commute time in ZIP 20657? ▼
What percentage of residents own vs. rent in ZIP 20657? ▼
What is the poverty rate in ZIP code 20657? ▼
ZIP Code Research Guides
Official Data Resources for Lusby, 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.