Prince Frederick, MD · standard
ZIP Code 20678
Calvert County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,045
- 100/sq mi Moderate-density area
- $125,732
- Median income Above-median income area
- $455,100
- Median home value Above-median home value
- 30.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Prince Frederick pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 8%
- household income, US ZIPs
- Top 16%
- home value, US ZIPs
- 100
- people per sq mi
- 78%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20678 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 20678 (Prince Frederick, MD) rose +10.1% from 2023 to 2024. The all-transactions index moved from 210.9 in 2023 to 232.3 in 2024 (2000 = 100).
ZIP code 20678 is a mid-sized community (a standard USPS delivery area) in Prince Frederick, Calvert County, Maryland, home to 11,045 residents across 110.8 square miles, a density of 100 people per square mile, in the New York time zone.
ZIP 20678 skews affluent, with a median household income of $125,732 (10% above the average Maryland ZIP), while per-capita income is $54,751. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.5% and unemployment is 2.5%. Median home value is $455,100 (2% above the average Maryland ZIP) and median rent is $1,388; 78.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 30.3% of adults hold a bachelor's degree or higher, the median age is 38.4, and the average commute is 40 minutes. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Calvert County, so 20678 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 20678
Top 5 sectors by establishment count in Prince Frederick, MD
Which industries have the most business establishments in ZIP 20678.
- Health care and social assistance
Health care and social assistance
90 establishments
- Retail trade
Retail trade
68 establishments
- Other services (except public administration)
Other services (except public administration)
64 establishments
- Construction
Construction
53 establishments
- Accommodation and food services
Accommodation and food services
52 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 20678, Prince Frederick, 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
11,045
Population
110.8
Area (sq mi)
100
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20678?
38.4
Median Age
50.9%
Male
49.1%
Female
6.6%
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?
$125,732
Median Household Income
+10% vs state ZIP avg
$54,751
Per Capita Income
7.5%
Poverty Rate
2.5%
Unemployment Rate
39.9 min
Mean Commute Time
How ZIP 20678 ranks among Maryland ZIPs
Prince Frederick, 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)
$125,732 Top 34% higher than 66% 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
5,183housing units
5,183
Total Housing Units
4,858
Occupied Units
325
Vacant Units
2.56
Avg Household Size
Occupancy Type
$455,100
Median Home Value
+2% vs state ZIP avg
$1,388
Median Rent
1993
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
+10.1%
YoY Change (2024)
232
HPI Index (2000 = 100)
+132%
Total Change Since 2000
Home values in ZIP 20678 have increased 10.1% over the past year (2024). Since 2000, this ZIP has seen +132% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.0% | 178 |
| 2021 | +9.3% | 195 |
| 2022 | +9.5% | 213 |
| 2023 | -1.0% | 211 |
| 2024 | +10.1% | 232 |
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 487 business establishments in ZIP 20678, employing approximately 7,565 people with a combined annual payroll of $377,323,000.
487
Businesses
7,565
Employees
$377.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 90 | 18.5% |
| Retail trade | 68 | 14.0% |
| Other services (except public administration) | 64 | 13.1% |
| Construction | 53 | 10.9% |
| Accommodation and food services | 52 | 10.7% |
| Professional, scientific, and technical services | 36 | 7.4% |
| Finance and insurance | 30 | 6.2% |
| Real estate and rental and leasing | 20 | 4.1% |
| Administrative and support and waste management and remediation services | 20 | 4.1% |
| Transportation and warehousing | 12 | 2.5% |
| Wholesale trade | 11 | 2.3% |
| Information | 7 | 1.4% |
| Arts, entertainment, and recreation | 7 | 1.4% |
| Manufacturing | 6 | 1.2% |
| Educational services | 5 | 1.0% |
| Management of companies and enterprises | 4 | 0.8% |
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 20678 vs 20676 →
ZIP 20678 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20659
Mechanicsville (20659)
23,498 residents
- 20639
Huntingtown (20639)
14,227 residents
- 20678
Prince Frederick (20678)
11,045 residents
- 20732
Chesapeake Beach (20732)
9,919 residents
- 20685 6,471
Saint Leonard (20685)
6,471 residents
- 20676 3,871
Port Republic (20676)
3,871 residents
- 20689 1,694
Sunderland (20689)
1,694 residents
- 20608 919
Aquasco (20608)
919 residents
- 20615 405
Broomes Island (20615)
405 residents
What this shows Among its immediate neighbors, ZIP 20678 ranks #3 by population - useful context the national average alone can't give.
ZIP 20678 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20689
Sunderland (20689)
$161,833 median income
- 20639
Huntingtown (20639)
$161,422 median income
- 20676
Port Republic (20676)
$156,657 median income
- 20732
Chesapeake Beach (20732)
$140,304 median income
- 20678
Prince Frederick (20678)
$125,732 median income
- 20659
Mechanicsville (20659)
$121,654 median income
- 20685
Saint Leonard (20685)
$119,135 median income
- 20608
Aquasco (20608)
$82,083 median income
- 20612 $41,118
Benedict (20612)
$41,118 median income
What this shows By household income, ZIP 20678 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20676 | Port Republic, MD | 3,871 | 3.8 mi |
| 20612 | Benedict, MD | 261 | 4.2 mi |
| 20639 | Huntingtown, MD | 14,227 | 6.0 mi |
| 20615 | Broomes Island, MD | 405 | 7.6 mi |
| 20685 | Saint Leonard, MD | 6,471 | 7.2 mi |
| 20689 | Sunderland, MD | 1,694 | 9.8 mi |
| 20608 | Aquasco, MD | 919 | 7.2 mi |
| 20732 | Chesapeake Beach, MD | 9,919 | 10.0 mi |
| 20659 | Mechanicsville, MD | 23,498 | 9.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20678, 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 (11,045 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 20678 in?
ZIP code 20678 (Prince Frederick) 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 20678?
ZIP code 20678 in Prince Frederick, MD has a population of 11,045 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20678?
The median household income in ZIP 20678 is $125,732, which is 65% above the national average of $76,288.
What is the average home value in ZIP 20678?
The median home value in ZIP 20678 is $455,100, which is 64% above the national average of $278,155.
What is the demographic makeup of ZIP 20678?
The largest racial group in ZIP 20678 is White at 69.5%. Hispanic or Latino residents make up 7.6% of the population.
How many businesses are in ZIP code 20678?
ZIP code 20678 has 487 business establishments employing approximately 7,565 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20678?
The top industries by establishment count in ZIP 20678 are: Health care and social assistance (90), Retail trade (68), Other services (except public administration) (64). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 20678?
According to the FHFA House Price Index, home values in ZIP 20678 increased by 10.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 132%. 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 20678?
In ZIP code 20678, 61.3% of residents aged 25+ have a high school diploma or higher, and 30.3% 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 20678?
The mean commute time for workers in ZIP code 20678 is 39.9 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 20678?
In ZIP code 20678, approximately 78.4% of occupied housing units are owner-occupied and 21.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20678?
The poverty rate in ZIP code 20678 is 7.5% 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 20678's numbers, next.
- See how ZIP 20678 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Prince Frederick, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.