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 High-density area
- $119,135
- Median income Above-median income area
- $450,400
- Median home value Above-median home value
- 24.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 20685 (Saint Leonard, MD) fell -1.1% from 2023 to 2024. The all-transactions index moved from 232.7 in 2023 to 230.0 in 2024 (2000 = 100).
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 average Maryland ZIP), while per-capita income is $56,678. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.3% and unemployment is 1.1%. Median home value is $450,400 (1% above the average Maryland ZIP) and median rent is $1,906; 94.8% of occupied homes 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. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Calvert County, so 20685 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 20685
Top 5 sectors by establishment count in Saint Leonard, MD
Which industries have the most business establishments in ZIP 20685.
- Construction
Construction
21 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
10 establishments
- Retail trade 8
Retail trade
8 establishments
- Other services (except public administration) 7
Other services (except public administration)
7 establishments
- Health care and social assistance 6
Health care and social assistance
6 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 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
Who lives in ZIP 20685?
42.8
Median Age
49.4%
Male
50.6%
Female
1.4%
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?
$119,135
Median Household Income
+4% vs state ZIP avg
$56,678
Per Capita Income
3.3%
Poverty Rate
1.1%
Unemployment Rate
40.0 min
Mean Commute Time
How ZIP 20685 ranks among Maryland ZIPs
Saint Leonard, 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)
$119,135 Top 40% higher than 60% 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
2,676housing units
2,676
Total Housing Units
2,394
Occupied Units
282
Vacant Units
2.86
Avg Household Size
Occupancy Type
$450,400
Median Home Value
+1% vs state ZIP avg
$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.
- 20657
Lusby (20657)
20,483 residents
- 20678
Prince Frederick (20678)
11,045 residents
- 20619
California (20619)
10,503 residents
- 20636
Hollywood (20636)
9,937 residents
- 20685 6,471
Saint Leonard (20685)
6,471 residents
- 20676 3,871
Port Republic (20676)
3,871 residents
- 20688 1,828
Solomons (20688)
1,828 residents
- 20629 535
Dowell (20629)
535 residents
- 20615 405
Broomes Island (20615)
405 residents
What this shows Among its immediate neighbors, ZIP 20685 ranks #5 by population - useful context the national average alone can't give.
ZIP 20685 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
- 20678
Prince Frederick (20678)
$125,732 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
- 20612 $41,118
Benedict (20612)
$41,118 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20685, 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 (6,471 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 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.
Related
Take this with you
What to do with ZIP 20685's numbers, next.
- See how ZIP 20685 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saint Leonard, 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.