PlainZIP

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
$161,833
Median income
$490,500
Median home value
29.8%
Bachelor's or higher

The verdict

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 is classified by USPS as a standard delivery area and covers roughly 20.2 square miles in Sunderland, Calvert County, Maryland. The area is home to 1,694 residents, producing a population density of 84 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 20689 against Maryland and the nation.

On the economic side, the median household income for ZIP 20689 sits at $161,833 (42% above the Maryland average), while per-capita income is $88,978. The poverty rate stands at 2.4% and the unemployment rate at 2.0%. On housing, the median home value is $490,500 (10% above the state average) with median rent at — per month, and 93.0% of occupied units are owner-occupied, a direct signal of whether 20689 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 29.8% of adults hold a bachelor's degree or higher, the median age is 48.1, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Calvert County, so you can benchmark 20689 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 20689

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 20689.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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

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 20689?

48.1

Median Age

59.0%

Male

41.0%

Female

2.6%

Foreign-Born

White 77.7%
African American 16.4%
Asian 1.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.0%
Hispanic or Latino 0.0%

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

$88,978

Per Capita Income

2.4%

Poverty Rate

2.0%

Unemployment Rate

How ZIP 20689 ranks nationally

Household income vs. every US ZIP code

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

$161,833 Top 3% higher than 97% 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%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). This entry sits in this band. $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 69.5%
Bachelor's Degree or Higher 29.8%

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

What does housing look like?

618

Total Housing Units

618

Occupied Units

0

Vacant Units

2.93

Avg Household Size

Occupancy Type

Owner 93.0%
Renter 7.0%

$490,500

Median Home Value

+10% vs state

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.

residents

What this shows Among its immediate neighbors, ZIP 20689 ranks #9 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 20689 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 20689 ranks #4 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
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

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 Sunderland, MD Maryland

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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Sunderland, MD

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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