Residential delivery area · Maryland
ZIP Code 20736: Owings, MD
ZIP code 20736 uses the postal name Owings, Maryland and lies mostly in Calvert County (97% of its land) with the rest in Anne Arundel County (Census 2020 ZIP-county file). About 10,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $159,851 (Census Bureau, ACS 2020-2024). By Census place, 16% of its land lies in Owings (a census-designated place), and under 1% in smaller places; 83% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Owings · its only residential ZIP
- County
- Calvert County (97%); Anne Arundel County (3%)
- Census places
- Owings census-designated place
- Metro area
- Lexington Park, MD
- House district
- MD-5 119th Congress
- State
- Maryland
- Time zone
- Eastern
- Land area
- 24.7 sq mi · 403 people per sq mi
Where is ZIP code 20736?
20736 centers on 38.690°, -76.617° and covers 24.7 square miles of land plus 0.6 of water. It borders 7 ZIP codes: 20689, 20758, 20754, 20714, 20732, 20639, 20613.
The map draws ZIP code areas only. For the streets inside 20736, 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 20736 compare with the rest of Calvert County?
| Measure | 20736 | In Calvert County | In MD |
|---|---|---|---|
| People (ACS 2020-2024) | 9,960 | 5th of 14 | 186th of 477 |
| Median household income | $160k | 3rd of 9 | 43rd of 293 |
| Median home value | $568k | 2nd of 11 | 65th of 320 |
Its median household income is higher than in 97% of U.S. residential ZIP codes, and it is denser than 70% 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 20736?
The 2020 Census counted 9,632 people in 20736; the ACS, which samples households over 2020-2024, estimates 9,960. Between the 2010 and 2020 censuses its population grew 8.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 9,960
- 2020 Census count
- 9,632+8.2% since 2010 (8,904)
- Households
- 3,305
- Median age
- 38.8
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 20736?
Of the 9,960 people the ACS estimates in 20736, 27.2% are under 18 and 14.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (79.3%).
- Under 1827.2%
- 18 to 6457.8%
- 65 and older14.9%
- White, not Hispanic79.3%
- Other or two or more9.4%
- Black, not Hispanic5.9%
- Hispanic or Latino4.7%
- Asian, not Hispanic0.7%
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 20736 earn?
Median household income is $159,851 (ACS 2020-2024), the 3rd highest of the 9 ranked ZIP codes in Calvert County. It is not measurably different from 2015-2019 ($174,390 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $159,851
- Income per person
- $61,544
- Below the poverty line
- 2.3%
- Unemployed (of the labor force)
- 1.1%
- Adults 25+ with a bachelor's degree
- 44.4%
- Adjusted gross income per tax return, 2022
- $121,0644,510 returns; wages 70% 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 20736?
FHFA's house price index for 20736, built from repeat sales and appraisals of the same homes, rose 52% from 2015 to 2025 and rose 35% from 2020 to 2025, and moved +3.0% in 2025.
- Median home value (owners' estimate)
- $567,700
- Median gross rent
- $1,754
- Homes owned by their occupants
- 93.6%
- Housing units
- 3,466
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 20736?
215 business establishments had a location in this ZIP code in 2023, 9 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction65
- Professional, scientific, and technical services31
- Other services (except public administration)31
- Administrative and support and waste management and remediation services16
- Health care and social assistance14
- Retail trade12
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 20736?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 20689 | Sunderland | 1,809 | $162k | 2.2 mi |
| 20758 | Friendship | 714 | $241k | 3.4 mi |
| 20754 | Dunkirk | 7,545 | $167k | 3.6 mi |
| 20714 | North Beach | 4,525 | $91k | 4.6 mi |
| 20732 | Chesapeake Beach | 10,722 | $140k | 4.7 mi |
| 20639 | Huntingtown | 15,544 | $161k | 6.2 mi |
| 20613 | Brandywine | 17,590 | $151k | 10.2 mi |
| 20779 | Tracys Landing | 883 | $179k | 5.4 mi (near) |
| 20711 | Lothian | 7,731 | $114k | 7.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.