Residential delivery area · Maryland
ZIP Code 20695: Waldorf (White Plains), MD
ZIP code 20695 is in Waldorf (postal name White Plains), Maryland, entirely in Charles County (Census 2020 ZIP-county file). About 16,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $141,959 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Waldorf (51%) and Bensville (34%); 16% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- White Plains · its only residential ZIP
- County
- Charles County
- Census places
- Waldorf (51%) census-designated place; Bensville (34%) census-designated place
- Metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- House district
- MD-5 119th Congress
- State
- Maryland
- Time zone
- Eastern
- Land area
- 14.4 sq mi · 1,140 people per sq mi
Where is ZIP code 20695?
20695 centers on 38.588°, -76.979° and covers 14.4 square miles of land plus 0.1 of water. It borders 5 ZIP codes: 20675, 20603, 20602, 20646, 20607.
The map draws ZIP code areas only. For the streets inside 20695, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 20695 compare with the rest of Charles County?
| Measure | 20695 | In Charles County | In MD |
|---|---|---|---|
| People (ACS 2020-2024) | 16,407 | 7th of 25 | 143rd of 477 |
| Median household income | $142k | 5th of 13 | 66th of 293 |
| Median home value | $471k | 7th of 18 | 117th of 320 |
Its median household income is higher than in 95% of U.S. residential ZIP codes, and it is denser than 79% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 20695?
The 2020 Census counted 13,318 people in 20695; the ACS, which samples households over 2020-2024, estimates 16,407. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 16,407
- 2020 Census count
- 13,318
- Households
- 5,469
- Median age
- 38.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 20695?
Of the 16,407 people the ACS estimates in 20695, 25.3% are under 18 and 14.3% are 65 or older. The largest group by race and Hispanic origin is Black (not Hispanic) (61.3%), then White (not Hispanic) (18.6%).
- Under 1825.3%
- 18 to 6460.4%
- 65 and older14.3%
- Black, not Hispanic61.3%
- White, not Hispanic18.6%
- Hispanic or Latino9.4%
- Other or two or more8.2%
- Asian, not Hispanic2.6%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 20695 earn?
Median household income is $141,959 (ACS 2020-2024), the 5th highest of the 13 ranked ZIP codes in Charles County.
- Median household income
- $141,959
- Income per person
- $52,453
- Below the poverty line
- 8.3%
- Unemployed (of the labor force)
- 5.1%
- Adults 25+ with a bachelor's degree
- 39.9%
- Adjusted gross income per tax return, 2022
- $87,7997,950 returns; wages 81% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 20695?
FHFA's house price index for 20695, built from repeat sales and appraisals of the same homes, rose 57% from 2015 to 2025 and rose 37% from 2020 to 2025, and moved −4.8% in 2025.
- Median home value (owners' estimate)
- $470,900
- Median gross rent
- $2,103
- Homes owned by their occupants
- 87.2%
- Housing units
- 5,483
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 20695?
252 business establishments had a location in this ZIP code in 2023, 37 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction47
- Health care and social assistance32
- Retail trade29
- Administrative and support and waste management and remediation services27
- Professional, scientific, and technical services23
- Real estate and rental and leasing18
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 20695?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 20675 | Pomfret | 1,796 | $127k | 2.0 mi |
| 20603 | Waldorf | 31,844 | $138k | 2.9 mi |
| 20602 | Waldorf | 28,331 | $107k | 4.6 mi |
| 20646 | La Plata | 21,400 | $132k | 4.8 mi |
| 20607 | Accokeek | 13,750 | $151k | 6.5 mi |
| 20601 | Waldorf | 26,945 | $118k | 7.0 mi (near) |
| 20677 | Port Tobacco | 2,088 | $166k | 7.1 mi (near) |
| 20617 | Bryantown | 334 | $104k | 7.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.