Sunderland, MD · standard
ZIP Code 20689
Calvert County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,694
- 84/sq mi Moderate-density area
- $161,833
- Median income Above-median income area
- $490,500
- Median home value Above-median home value
- 29.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Sunderland pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 3%
- household income, US ZIPs
- Top 13%
- home value, US ZIPs
- 84
- people per sq mi
- 93%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20689 against every reporting US ZIP.
ZIP code 20689 covers 20.2 square miles in Sunderland, Calvert County, Maryland (a standard USPS delivery area), with a modest 1,694 residents on file, a density of 84 people per square mile, in the New York time zone.
ZIP 20689 skews affluent, with a median household income of $161,833 (42% above the average Maryland ZIP), while per-capita income is $88,978. Both reported hardship measures are comparatively low in absolute terms: poverty is 2.4% and unemployment is 2.0%. Median home value is $490,500 (10% above the average Maryland ZIP); 93.0% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 29.8% of adults hold a bachelor's degree or higher, the median age is 48.1, and the average commute is -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Calvert County, so 20689 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 20689
Top 5 sectors by establishment count in Sunderland, MD
Which industries have the most business establishments in ZIP 20689.
- Construction
Construction
8 establishments
- Other services (except public administration)
Other services (except public administration)
7 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
6 establishments
- Retail trade
Retail trade
5 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 20689, Sunderland, 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
1,694
Population
20.2
Area (sq mi)
84
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20689?
48.1
Median Age
59.0%
Male
41.0%
Female
2.6%
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?
$161,833
Median Household Income
+42% vs state ZIP avg
$88,978
Per Capita Income
2.4%
Poverty Rate
2.0%
Unemployment Rate
How ZIP 20689 ranks among Maryland ZIPs
Sunderland, 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)
$161,833 Top 14% higher than 86% 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
618housing units
618
Total Housing Units
618
Occupied Units
0
Vacant Units
2.93
Avg Household Size
Occupancy Type
$490,500
Median Home Value
+10% vs state ZIP avg
1985
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
+7.1%
YoY Change (2022)
205
HPI Index (2000 = 100)
+105%
Total Change Since 2000
Home values in ZIP 20689 have increased 7.1% over the past year (2022). Since 2000, this ZIP has seen +105% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2018 | -8.1% | 151 |
| 2019 | +14.3% | 173 |
| 2020 | +1.5% | 176 |
| 2021 | +9.0% | 191 |
| 2022 | +7.1% | 205 |
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 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 34 business establishments in ZIP 20689, employing approximately 142 people with a combined annual payroll of $6,546,000.
34
Businesses
142
Employees
$6.5M
Annual Payroll
4
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 8 | 23.5% |
| Other services (except public administration) | 7 | 20.6% |
| Professional, scientific, and technical services | 6 | 17.6% |
| Retail trade | 5 | 14.7% |
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 20689 vs 20732 →
ZIP 20689 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20639
Huntingtown (20639)
14,227 residents
- 20678
Prince Frederick (20678)
11,045 residents
- 20732
Chesapeake Beach (20732)
9,919 residents
- 20736
Owings (20736)
8,904 residents
- 20754
Dunkirk (20754)
6,951 residents
- 20714 4,345
North Beach (20714)
4,345 residents
- 20733 2,672
Churchton (20733)
2,672 residents
- 20751 2,343
Deale (20751)
2,343 residents
- 20689 1,694
Sunderland (20689)
1,694 residents
What this shows Among its immediate neighbors, ZIP 20689 ranks #9 by population - useful context the national average alone can't give.
ZIP 20689 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20758
Friendship (20758)
$240,847 median income
- 20779
Tracys Landing (20779)
$178,452 median income
- 20754
Dunkirk (20754)
$167,371 median income
- 20689
Sunderland (20689)
$161,833 median income
- 20639
Huntingtown (20639)
$161,422 median income
- 20736
Owings (20736)
$159,851 median income
- 20732
Chesapeake Beach (20732)
$140,304 median income
- 20733
Churchton (20733)
$126,797 median income
- 20678
Prince Frederick (20678)
$125,732 median income
What this shows By household income, ZIP 20689 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20732 | Chesapeake Beach, MD | 9,919 | 2.2 mi |
| 20736 | Owings, MD | 8,904 | 3.1 mi |
| 20639 | Huntingtown, MD | 14,227 | 4.1 mi |
| 20758 | Friendship, MD | 721 | 4.9 mi |
| 20714 | North Beach, MD | 4,345 | 4.5 mi |
| 20779 | Tracys Landing, MD | 1,182 | 7.1 mi |
| 20754 | Dunkirk, MD | 6,951 | 6.4 mi |
| 20751 | Deale, MD | 2,343 | 9.3 mi |
| 20678 | Prince Frederick, MD | 11,045 | 9.8 mi |
| 20733 | Churchton, MD | 2,672 | 10.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20689, 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 (1,694 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 20689 in?
ZIP code 20689 (Sunderland) 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 20689?
ZIP code 20689 in Sunderland, MD has a population of 1,694 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20689?
The median household income in ZIP 20689 is $161,833, which is 112% above the national average of $76,288.
What is the average home value in ZIP 20689?
The median home value in ZIP 20689 is $490,500, which is 76% above the national average of $278,155.
What is the demographic makeup of ZIP 20689?
The largest racial group in ZIP 20689 is White at 77.7%.
How many businesses are in ZIP code 20689?
ZIP code 20689 has 34 business establishments employing approximately 142 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20689?
The top industries by establishment count in ZIP 20689 are: Construction (8), Other services (except public administration) (7), Professional, scientific, and technical services (6). There are 4 industry sectors represented in total.
How have home values changed in ZIP code 20689?
According to the FHFA House Price Index, home values in ZIP 20689 increased by 7.1% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 105%. 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 20689?
In ZIP code 20689, 69.5% of residents aged 25+ have a high school diploma or higher, and 29.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 20689?
In ZIP code 20689, approximately 93.0% of occupied housing units are owner-occupied and 7.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20689?
The poverty rate in ZIP code 20689 is 2.4% 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 20689's numbers, next.
- See how ZIP 20689 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Sunderland, 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.