PlainZIP

Owings, MD · standard

ZIP Code 20736

Calvert County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

8,904
135/sq mi
$159,851
Median income
$567,700
Median home value
44.4%
Bachelor's or higher

The verdict

Owings pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 3%
household income, US ZIPs
Top 10%
home value, US ZIPs
135
people per sq mi
94%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20736 against every reporting US ZIP.

ZIP code 20736 is a mid-sized community (a standard USPS delivery area) in Owings, Calvert County, Maryland, home to 8,904 residents across 66.2 square miles, a density of 135 people per square mile, in the New York time zone.

ZIP 20736 skews affluent, with a median household income of $159,851 (40% above the Maryland average), while per-capita income is $61,544. 2.3% of residents live below the poverty line, and the unemployment rate reads 1.0%. On housing, the median home value is $567,700 (27% above the state average) with median rent at $1,754 per month, and 93.6% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 44.4% of adults hold a bachelor's degree or higher, the median age is 38.8, and the average commute is 38 minutes. To put 20736 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Calvert County, for a geography-aware comparison.

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 20736

Top 5 sectors by establishment count in Owings, MD

Which industries have the most business establishments in ZIP 20736.

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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20736, Owings, 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

8,904

Population

66.2

Area (sq mi)

135

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 20736?

38.8

Median Age

49.6%

Male

50.4%

Female

3.3%

Foreign-Born

White 80.1%
African American 6.2%
Asian 0.7%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 10.5%
Hispanic or Latino 4.7%

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?

$159,851

Median Household Income

+40% vs state

$61,544

Per Capita Income

2.3%

Poverty Rate

1.0%

Unemployment Rate

38.4 min

Mean Commute Time

How ZIP 20736 ranks nationally

Owings, MD household income vs. every US ZIP code

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

$159,851 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%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $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 68.4%
Bachelor's Degree or Higher 44.4%

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

What does housing look like?

3,466

Total Housing Units

3,305

Occupied Units

161

Vacant Units

3.01

Avg Household Size

Occupancy Type

Owner 93.6%
Renter 6.4%

$567,700

Median Home Value

+27% vs state

$1,754

Median Rent

1991

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

+8.8%

YoY Change (2024)

233

HPI Index (2000 = 100)

+133%

Total Change Since 2000

Home values in ZIP 20736 have increased 8.8% over the past year (2024). Since 2000, this ZIP has seen +133% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.8% 178
2021 +8.7% 194
2022 +13.4% 219
2023 -2.3% 214
2024 +8.8% 233

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 215 business establishments in ZIP 20736, employing approximately 1,790 people with a combined annual payroll of $94,111,000.

215

Businesses

1,790

Employees

$94.1M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Construction 65 30.2%
Professional, scientific, and technical services 31 14.4%
Other services (except public administration) 31 14.4%
Administrative and support and waste management and remediation services 16 7.4%
Health care and social assistance 14 6.5%
Retail trade 12 5.6%
Real estate and rental and leasing 10 4.7%
Manufacturing 9 4.2%
Wholesale trade 7 3.3%
Information 3 1.4%
Finance and insurance 3 1.4%
Educational services 3 1.4%
Arts, entertainment, and recreation 3 1.4%
Accommodation and food services 3 1.4%

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 20736 vs 20754 →

ZIP 20736 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 20736 ranks #3 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 20736 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 20736 ranks #6 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
20754 Dunkirk, MD 6,951 3.5 mi
20689 Sunderland, MD 1,694 3.1 mi
20758 Friendship, MD 721 3.5 mi
20639 Huntingtown, MD 14,227 5.8 mi
20714 North Beach, MD 4,345 4.9 mi
20732 Chesapeake Beach, MD 9,919 5.2 mi
20779 Tracys Landing, MD 1,182 5.9 mi
20711 Lothian, MD 6,643 8.0 mi
20751 Deale, MD 2,343 8.1 mi
20608 Aquasco, MD 919 8.4 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
20754 standard
Dunkirk, MD
Pop: 6,951
20685 standard
Saint Leonard, MD
Pop: 6,471

Related Areas

Calvert County Owings, MD Maryland

Frequently Asked Questions

What county is ZIP code 20736 in? ▼
ZIP code 20736 (Owings) 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 20736? ▼
ZIP code 20736 in Owings, MD has a population of 8,904 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20736? ▼
The median household income in ZIP 20736 is $159,851, which is 110% above the national average of $76,288.
What is the average home value in ZIP 20736? ▼
The median home value in ZIP 20736 is $567,700, which is 104% above the national average of $278,155.
What is the demographic makeup of ZIP 20736? ▼
The largest racial group in ZIP 20736 is White at 80.1%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 20736? ▼
ZIP code 20736 has 215 business establishments employing approximately 1,790 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20736? ▼
The top industries by establishment count in ZIP 20736 are: Construction (65), Professional, scientific, and technical services (31), Other services (except public administration) (31). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 20736? ▼
According to the FHFA House Price Index, home values in ZIP 20736 increased by 8.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 133%. 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 20736? ▼
In ZIP code 20736, 68.4% of residents aged 25+ have a high school diploma or higher, and 44.4% 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 20736? ▼
The mean commute time for workers in ZIP code 20736 is 38.4 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 20736? ▼
In ZIP code 20736, approximately 93.6% of occupied housing units are owner-occupied and 6.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20736? ▼
The poverty rate in ZIP code 20736 is 2.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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