PlainZIP

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
$125,732
Median income
$455,100
Median home value
30.3%
Bachelor's or higher

The verdict

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.

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 Maryland average), while per-capita income is $54,751. The poverty rate stands at 7.5% and the unemployment rate at 2.5%. Housing costs here run $455,100 for a typical home value (2% above the state average), with rent averaging $1,388 a month; 78.4% of 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. To put 20678 in local context, 9 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Calvert County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 20678?

38.4

Median Age

50.9%

Male

49.1%

Female

6.6%

Foreign-Born

White 69.5%
African American 14.3%
Asian 2.9%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.8%
Hispanic or Latino 7.6%

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

$54,751

Per Capita Income

7.5%

Poverty Rate

2.5%

Unemployment Rate

39.9 min

Mean Commute Time

How ZIP 20678 ranks nationally

Prince Frederick, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$125,732 Top 8% higher than 92% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 61.3%
Bachelor's Degree or Higher 30.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,183

Total Housing Units

4,858

Occupied Units

325

Vacant Units

2.56

Avg Household Size

Occupancy Type

Owner 78.4%
Renter 21.6%

$455,100

Median Home Value

+2% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 20678 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 20678 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Calvert County

20657 standard
Lusby, MD
Pop: 20,483
20639 standard
Huntingtown, MD
Pop: 14,227
20732 standard
Chesapeake Beach, MD
Pop: 9,919
20736 standard
Owings, MD
Pop: 8,904
20754 standard
Dunkirk, MD
Pop: 6,951
20685 standard
Saint Leonard, MD
Pop: 6,471

Related Areas

Calvert County Prince Frederick, MD Maryland

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.

Read our methodology to see how this data is sourced, computed, and verified.