PlainZIP

Saint Leonard, MD · standard

ZIP Code 20685

Calvert County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

6,471
112/sq mi
$119,135
Median income
$450,400
Median home value
24.4%
Bachelor's or higher

The verdict

Saint Leonard pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 10%
household income, US ZIPs
Top 16%
home value, US ZIPs
112
people per sq mi
95%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20685 against every reporting US ZIP.

ZIP code 20685 is a mid-sized community (a standard USPS delivery area) in Saint Leonard, Calvert County, Maryland, home to 6,471 residents across 57.7 square miles, a density of 112 people per square mile, in the New York time zone.

ZIP 20685 skews affluent, with a median household income of $119,135 (4% above the Maryland average), while per-capita income is $56,678. Local economic indicators show a 3.3% poverty rate alongside 1.1% unemployment. On housing, the median home value is $450,400 (1% above the state average) with median rent at $1,906 per month, and 94.8% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 24.4% of adults hold a bachelor's degree or higher, the median age is 42.8, and the average commute is 40 minutes. Beyond these figures, 9 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Calvert County, letting you compare 20685 to its immediate surroundings rather than a national baseline alone.

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 20685

Top 5 sectors by establishment count in Saint Leonard, MD

Which industries have the most business establishments in ZIP 20685.

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 20685, Saint Leonard, 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

6,471

Population

57.7

Area (sq mi)

112

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 20685?

42.8

Median Age

49.4%

Male

50.6%

Female

1.4%

Foreign-Born

White 75.4%
African American 14.4%
Asian 0.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.0%
Hispanic or Latino 2.6%

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?

$119,135

Median Household Income

+4% vs state

$56,678

Per Capita Income

3.3%

Poverty Rate

1.1%

Unemployment Rate

40.0 min

Mean Commute Time

How ZIP 20685 ranks nationally

Saint Leonard, MD household income vs. every US ZIP code

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

$119,135 Top 10% higher than 90% 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%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $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 56.9%
Bachelor's Degree or Higher 24.4%

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

What does housing look like?

2,676

Total Housing Units

2,394

Occupied Units

282

Vacant Units

2.86

Avg Household Size

Occupancy Type

Owner 94.8%
Renter 5.2%

$450,400

Median Home Value

+1% vs state

$1,906

Median Rent

1986

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

-1.1%

YoY Change (2024)

230

HPI Index (2000 = 100)

+130%

Total Change Since 2000

Home values in ZIP 20685 have decreased 1.1% over the past year (2024). Since 2000, this ZIP has seen +130% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.9% 180
2021 +9.5% 197
2022 +12.6% 222
2023 +4.9% 233
2024 -1.1% 230

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 72 business establishments in ZIP 20685, employing approximately 311 people with a combined annual payroll of $15,100,000.

72

Businesses

311

Employees

$15.1M

Annual Payroll

8

Industry Sectors

Industry Establishments % of Total
Construction 21 29.2%
Administrative and support and waste management and remediation services 10 13.9%
Retail trade 8 11.1%
Other services (except public administration) 7 9.7%
Health care and social assistance 6 8.3%
Professional, scientific, and technical services 5 6.9%
Wholesale trade 3 4.2%
Real estate and rental and leasing 3 4.2%

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 20685 vs 20615 →

ZIP 20685 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 20685 ranks #5 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 20685 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 20685 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
20615 Broomes Island, MD 405 1.4 mi
20676 Port Republic, MD 3,871 3.9 mi
20636 Hollywood, MD 9,937 6.1 mi
20657 Lusby, MD 20,483 5.7 mi
20619 California, MD 10,503 9.9 mi
20688 Solomons, MD 1,828 7.6 mi
20678 Prince Frederick, MD 11,045 7.2 mi
20629 Dowell, MD 535 7.9 mi
20612 Benedict, MD 261 9.5 mi

More ZIP Codes in Calvert County

20657 standard
Lusby, MD
Pop: 20,483
20639 standard
Huntingtown, MD
Pop: 14,227
20678 standard
Prince Frederick, MD
Pop: 11,045
20732 standard
Chesapeake Beach, MD
Pop: 9,919
20736 standard
Owings, MD
Pop: 8,904
20754 standard
Dunkirk, MD
Pop: 6,951

Related Areas

Calvert County Saint Leonard, MD Maryland

Frequently Asked Questions

What county is ZIP code 20685 in? ▼
ZIP code 20685 (Saint Leonard) 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 20685? ▼
ZIP code 20685 in Saint Leonard, MD has a population of 6,471 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20685? ▼
The median household income in ZIP 20685 is $119,135, which is 56% above the national average of $76,288.
What is the average home value in ZIP 20685? ▼
The median home value in ZIP 20685 is $450,400, which is 62% above the national average of $278,155.
What is the demographic makeup of ZIP 20685? ▼
The largest racial group in ZIP 20685 is White at 75.4%. Hispanic or Latino residents make up 2.6% of the population.
How many businesses are in ZIP code 20685? ▼
ZIP code 20685 has 72 business establishments employing approximately 311 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20685? ▼
The top industries by establishment count in ZIP 20685 are: Construction (21), Administrative and support and waste management and remediation services (10), Retail trade (8). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 20685? ▼
According to the FHFA House Price Index, home values in ZIP 20685 decreased by 1.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 130%. 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 20685? ▼
In ZIP code 20685, 56.9% of residents aged 25+ have a high school diploma or higher, and 24.4% 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 20685? ▼
The mean commute time for workers in ZIP code 20685 is 40.0 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 20685? ▼
In ZIP code 20685, approximately 94.8% of occupied housing units are owner-occupied and 5.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20685? ▼
The poverty rate in ZIP code 20685 is 3.3% 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.