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 classified by USPS as a standard delivery area and covers roughly 66.2 square miles in Owings, Calvert County, Maryland. The area is home to 8,904 residents, producing a population density of 135 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 20736 against Maryland and the nation.
On the economic side, the median household income for ZIP 20736 sits at $159,851 (40% above the Maryland average), while per-capita income is $61,544. The poverty rate stands at 2.3% and the unemployment rate at 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 direct signal of whether 20736 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 44.4% of adults hold a bachelor's degree or higher, the median age is 38.8, and the average commute is 38 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Calvert County, so you can benchmark 20736 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 20736
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 20736.
- Construction
Construction
65 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
31 establishments
- Other services (except public administration)
Other services (except public administration)
31 establishments
- Administrative and support and waste management and remediation services 16
Administrative and support and waste management and remediation services
16 establishments
- Health care and social assistance 14
Health care and social assistance
14 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 20736, Owings, 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
8,904
Population
66.2
Area (sq mi)
135
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20736?
38.8
Median Age
49.6%
Male
50.4%
Female
3.3%
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?
$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
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
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?
3,466
Total Housing Units
3,305
Occupied Units
161
Vacant Units
3.01
Avg Household Size
Occupancy Type
$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.
- 20639
Huntingtown (20639)
14,227 residents
- 20732
Chesapeake Beach (20732)
9,919 residents
- 20736
Owings (20736)
8,904 residents
- 20754
Dunkirk (20754)
6,951 residents
- 20711
Lothian (20711)
6,643 residents
- 20714 4,345
North Beach (20714)
4,345 residents
- 20751 2,343
Deale (20751)
2,343 residents
- 20689 1,694
Sunderland (20689)
1,694 residents
- 20779 1,182
Tracys Landing (20779)
1,182 residents
What this shows Among its immediate neighbors, ZIP 20736 ranks #3 by population — useful context the national average alone can't give.
ZIP 20736 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20758
Friendship (20758)
$240,847 median income
- 20779
Tracys Landing (20779)
$178,452 median income
- 20754
Dunkirk (20754)
$167,371 median income
- 20689
Sunderland (20689)
$161,833 median income
- 20639
Huntingtown (20639)
$161,422 median income
- 20736
Owings (20736)
$159,851 median income
- 20732
Chesapeake Beach (20732)
$140,304 median income
- 20751
Deale (20751)
$123,951 median income
- 20711
Lothian (20711)
$113,576 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.
| 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
Related Areas
Frequently Asked Questions
What county is ZIP code 20736 in? ▼
What is the population of ZIP code 20736? ▼
What is the median household income in ZIP 20736? ▼
What is the average home value in ZIP 20736? ▼
What is the demographic makeup of ZIP 20736? ▼
How many businesses are in ZIP code 20736? ▼
What are the main industries in ZIP code 20736? ▼
How have home values changed in ZIP code 20736? ▼
What is the education level in ZIP code 20736? ▼
What is the average commute time in ZIP 20736? ▼
What percentage of residents own vs. rent in ZIP 20736? ▼
What is the poverty rate in ZIP code 20736? ▼
ZIP Code Research Guides
Official Data Resources for Owings, 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.