White Plains, MD · standard
ZIP Code 20695
Charles County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,794
- 208/sq mi
- $141,959
- Median income
- $470,900
- Median home value
- 39.9%
- Bachelor's or higher
The verdict
White Plains pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 5%
- household income, US ZIPs
- Top 15%
- home value, US ZIPs
- 208
- people per sq mi
- 87%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20695 against every reporting US ZIP.
ZIP code 20695 is classified by USPS as a standard delivery area and covers roughly 32.7 square miles in White Plains, Charles County, Maryland. The area is home to 6,794 residents, producing a population density of 208 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 20695 against Maryland and the nation.
On the economic side, the median household income for ZIP 20695 sits at $141,959 (24% above the Maryland average), while per-capita income is $52,453. The poverty rate stands at 8.3% and the unemployment rate at 5.1%. On housing, the median home value is $470,900 (5% above the state average) with median rent at $2,103 per month, and 87.2% of occupied units are owner-occupied, a direct signal of whether 20695 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 39.9% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 42 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Charles County, so you can benchmark 20695 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 20695
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 20695.
- Construction
Construction
47 establishments
- Health care and social assistance
Health care and social assistance
32 establishments
- Retail trade
Retail trade
29 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
27 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
23 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 20695, White Plains, 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
6,794
Population
32.7
Area (sq mi)
208
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20695?
38.9
Median Age
47.9%
Male
52.1%
Female
10.0%
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?
$141,959
Median Household Income
+24% vs state
$52,453
Per Capita Income
8.3%
Poverty Rate
5.1%
Unemployment Rate
41.5 min
Mean Commute Time
How ZIP 20695 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$141,959 Top 5% higher than 95% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
5,483
Total Housing Units
5,469
Occupied Units
14
Vacant Units
2.99
Avg Household Size
Occupancy Type
$470,900
Median Home Value
+5% vs state
$2,103
Median Rent
2008
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
+18.2%
YoY Change (2024)
240
HPI Index (2000 = 100)
+140%
Total Change Since 2000
Home values in ZIP 20695 have increased 18.2% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.4% | 166 |
| 2021 | +10.5% | 183 |
| 2022 | +13.6% | 208 |
| 2023 | -2.2% | 203 |
| 2024 | +18.2% | 240 |
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 252 business establishments in ZIP 20695, employing approximately 2,869 people with a combined annual payroll of $171,073,000.
252
Businesses
2,869
Employees
$171.1M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 47 | 18.6% |
| Health care and social assistance | 32 | 12.7% |
| Retail trade | 29 | 11.5% |
| Administrative and support and waste management and remediation services | 27 | 10.7% |
| Professional, scientific, and technical services | 23 | 9.1% |
| Real estate and rental and leasing | 18 | 7.1% |
| Other services (except public administration) | 18 | 7.1% |
| Wholesale trade | 13 | 5.2% |
| Manufacturing | 12 | 4.8% |
| Finance and insurance | 9 | 3.6% |
| Accommodation and food services | 7 | 2.8% |
| Information | 5 | 2.0% |
| Transportation and warehousing | 4 | 1.6% |
| Educational services | 4 | 1.6% |
| Arts, entertainment, and recreation | 4 | 1.6% |
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 20695 vs 20603 →
ZIP 20695 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20603
Waldorf (20603)
28,967 residents
- 20602
Waldorf (20602)
24,955 residents
- 20601
Waldorf (20601)
24,156 residents
- 20646
La Plata (20646)
18,890 residents
- 20607 9,802
Accokeek (20607)
9,802 residents
- 20695 6,794
White Plains (20695)
6,794 residents
- 20616 5,857
Bryans Road (20616)
5,857 residents
- 20677 2,322
Port Tobacco (20677)
2,322 residents
- 20675 1,671
Pomfret (20675)
1,671 residents
What this shows Among its immediate neighbors, ZIP 20695 ranks #6 by population — useful context the national average alone can't give.
ZIP 20695 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20677
Port Tobacco (20677)
$165,764 median income
- 20611
Bel Alton (20611)
$151,607 median income
- 20607
Accokeek (20607)
$151,427 median income
- 20695
White Plains (20695)
$141,959 median income
- 20603
Waldorf (20603)
$137,946 median income
- 20646
La Plata (20646)
$131,974 median income
- 20616
Bryans Road (20616)
$128,177 median income
- 20675
Pomfret (20675)
$127,269 median income
- 20601
Waldorf (20601)
$117,480 median income
What this shows By household income, ZIP 20695 ranks #4 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20603 | Waldorf, MD | 28,967 | 2.6 mi |
| 20675 | Pomfret, MD | 1,671 | 2.7 mi |
| 20602 | Waldorf, MD | 24,955 | 4.3 mi |
| 20646 | La Plata, MD | 18,890 | 5.0 mi |
| 20607 | Accokeek, MD | 9,802 | 6.1 mi |
| 20611 | Bel Alton, MD | 1,078 | 9.0 mi |
| 20601 | Waldorf, MD | 24,156 | 6.8 mi |
| 20677 | Port Tobacco, MD | 2,322 | 7.3 mi |
| 20617 | Bryantown, MD | 781 | 7.4 mi |
| 20616 | Bryans Road, MD | 5,857 | 7.6 mi |
More ZIP Codes in Charles County
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Frequently Asked Questions
What county is ZIP code 20695 in? ▼
What is the population of ZIP code 20695? ▼
What is the median household income in ZIP 20695? ▼
What is the average home value in ZIP 20695? ▼
What is the demographic makeup of ZIP 20695? ▼
How many businesses are in ZIP code 20695? ▼
What are the main industries in ZIP code 20695? ▼
How have home values changed in ZIP code 20695? ▼
What is the education level in ZIP code 20695? ▼
What is the average commute time in ZIP 20695? ▼
What percentage of residents own vs. rent in ZIP 20695? ▼
What is the poverty rate in ZIP code 20695? ▼
ZIP Code Research Guides
Official Data Resources for White Plains, MD
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.