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 High-density area
- $115,748
- Median income Above-median income area
- $333,500
- Median home value Above-median home value
- 33.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 20657 (Lusby, MD) rose +10.0% from 2023 to 2024. The all-transactions index moved from 217.2 in 2023 to 238.8 in 2024 (2000 = 100).
ZIP code 20657 is a densely settled ZIP (a standard USPS delivery area) in Lusby, Calvert County, Maryland, with 20,483 residents across 77.9 square miles, a density of 263 people per square mile, in the New York time zone.
ZIP 20657 skews affluent, with a median household income of $115,748 (1% above the average Maryland ZIP), while per-capita income is $54,496. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.8% and unemployment is 2.8%. Home values sit below the statewide ZIP benchmark: the median is $333,500 (25% below the average Maryland ZIP), and median rent is $1,755; owner occupancy is 87.2%.
A solid share of residents have a four-year degree: 33.3% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 39 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Calvert County, so 20657 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 20657
Top 5 sectors by establishment count in Lusby, MD
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$54,496
Per Capita Income
3.8%
Poverty Rate
2.8%
Unemployment Rate
38.9 min
Mean Commute Time
How ZIP 20657 ranks among Maryland ZIPs
Lusby, MD household income vs. every Maryland ZIP code
Median household income among 419 reporting Maryland ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$115,748 Top 43% higher than 57% of 419 Maryland ZIPs
Each bar is a $20K-wide band; taller bars hold more Maryland 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?
Housing stock: occupied vs vacant
8,178housing units
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 ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20657, both outside MD so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (20,483 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Calvert County
Related Areas
Frequently Asked Questions
What county is ZIP code 20657 in?
ZIP code 20657 (Lusby) is located in Calvert County, Maryland. Calvert County contains multiple ZIP codes, see the full list at /counties/calvert-md.
What is the population of ZIP code 20657?
ZIP code 20657 in Lusby, MD has a population of 20,483 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20657?
The median household income in ZIP 20657 is $115,748, which is 52% above the national average of $76,288.
What is the average home value in ZIP 20657?
The median home value in ZIP 20657 is $333,500, which is 20% above the national average of $278,155.
What is the demographic makeup of ZIP 20657?
The largest racial group in ZIP 20657 is White at 73.3%. Hispanic or Latino residents make up 6.6% of the population.
How many businesses are in ZIP code 20657?
ZIP code 20657 has 181 business establishments employing approximately 2,217 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20657?
The top industries by establishment count in ZIP 20657 are: Other services (except public administration) (30), Professional, scientific, and technical services (28), Construction (26). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 20657?
According to the FHFA House Price Index, home values in ZIP 20657 increased by 10.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 139%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 20657?
In ZIP code 20657, 61.0% of residents aged 25+ have a high school diploma or higher, and 33.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 20657?
The mean commute time for workers in ZIP code 20657 is 38.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 20657?
In ZIP code 20657, approximately 87.2% of occupied housing units are owner-occupied and 12.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20657?
The poverty rate in ZIP code 20657 is 3.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 20657's numbers, next.
- See how ZIP 20657 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lusby, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.