Dunkirk, MD · standard
ZIP Code 20754
Calvert County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,951
- 159/sq mi
- $167,371
- Median income
- $614,200
- Median home value
- 49.9%
- Bachelor's or higher
The verdict
Dunkirk pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 2%
- household income, US ZIPs
- Top 9%
- home value, US ZIPs
- 159
- people per sq mi
- 94%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20754 against every reporting US ZIP.
ZIP code 20754 is classified by USPS as a standard delivery area and covers roughly 43.7 square miles in Dunkirk, Calvert County, Maryland. The area is home to 6,951 residents, producing a population density of 159 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 20754 against Maryland and the nation.
On the economic side, the median household income for ZIP 20754 sits at $167,371 (47% above the Maryland average), while per-capita income is $63,867. The poverty rate stands at 2.0% and the unemployment rate at 1.7%. On housing, the median home value is $614,200 (37% above the state average) with median rent at $2,782 per month, and 93.5% of occupied units are owner-occupied, a direct signal of whether 20754 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 49.9% of adults hold a bachelor's degree or higher, the median age is 39.3, and the average commute is 33 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Calvert County, so you can benchmark 20754 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 20754
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 20754.
- Retail trade
Retail trade
37 establishments
- Construction
Construction
32 establishments
- Health care and social assistance
Health care and social assistance
30 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
23 establishments
- Accommodation and food services
Accommodation and food services
21 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 20754, Dunkirk, 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
6,951
Population
43.7
Area (sq mi)
159
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20754?
39.3
Median Age
50.4%
Male
49.6%
Female
5.9%
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?
$167,371
Median Household Income
+47% vs state
$63,867
Per Capita Income
2.0%
Poverty Rate
1.7%
Unemployment Rate
32.5 min
Mean Commute Time
How ZIP 20754 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$167,371 Top 2% higher than 98% 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?
2,329
Total Housing Units
2,281
Occupied Units
48
Vacant Units
3.30
Avg Household Size
Occupancy Type
$614,200
Median Home Value
+37% vs state
$2,782
Median Rent
1986
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
+4.8%
YoY Change (2024)
239
HPI Index (2000 = 100)
+139%
Total Change Since 2000
Home values in ZIP 20754 have increased 4.8% over the past year (2024). Since 2000, this ZIP has seen +139% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.7% | 178 |
| 2021 | +6.2% | 189 |
| 2022 | +6.5% | 201 |
| 2023 | +13.3% | 228 |
| 2024 | +4.8% | 239 |
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 229 business establishments in ZIP 20754, employing approximately 2,437 people with a combined annual payroll of $110,833,000.
229
Businesses
2,437
Employees
$110.8M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 37 | 16.2% |
| Construction | 32 | 14.0% |
| Health care and social assistance | 30 | 13.1% |
| Professional, scientific, and technical services | 23 | 10.0% |
| Accommodation and food services | 21 | 9.2% |
| Other services (except public administration) | 20 | 8.7% |
| Finance and insurance | 19 | 8.3% |
| Real estate and rental and leasing | 16 | 7.0% |
| Administrative and support and waste management and remediation services | 11 | 4.8% |
| Transportation and warehousing | 5 | 2.2% |
| Educational services | 5 | 2.2% |
| Manufacturing | 3 | 1.3% |
| Wholesale trade | 3 | 1.3% |
| Information | 3 | 1.3% |
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 20754 vs 20758 →
ZIP 20754 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20772
Upper Marlboro (20772)
42,625 residents
- 20639 14,227
Huntingtown (20639)
14,227 residents
- 20736 8,904
Owings (20736)
8,904 residents
- 20754 6,951
Dunkirk (20754)
6,951 residents
- 20711 6,643
Lothian (20711)
6,643 residents
- 20714 4,345
North Beach (20714)
4,345 residents
- 20776 3,289
Harwood (20776)
3,289 residents
- 20751 2,343
Deale (20751)
2,343 residents
- 20689 1,694
Sunderland (20689)
1,694 residents
What this shows Among its immediate neighbors, ZIP 20754 ranks #4 by population — useful context the national average alone can't give.
ZIP 20754 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
- 20776
Harwood (20776)
$149,300 median income
- 20772
Upper Marlboro (20772)
$139,403 median income
- 20751
Deale (20751)
$123,951 median income
What this shows By household income, ZIP 20754 ranks #3 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20758 | Friendship, MD | 721 | 3.2 mi |
| 20711 | Lothian, MD | 6,643 | 4.7 mi |
| 20736 | Owings, MD | 8,904 | 3.5 mi |
| 20779 | Tracys Landing, MD | 1,182 | 4.6 mi |
| 20714 | North Beach, MD | 4,345 | 5.8 mi |
| 20689 | Sunderland, MD | 1,694 | 6.4 mi |
| 20751 | Deale, MD | 2,343 | 6.4 mi |
| 20772 | Upper Marlboro, MD | 42,625 | 6.8 mi |
| 20639 | Huntingtown, MD | 14,227 | 9.3 mi |
| 20776 | Harwood, MD | 3,289 | 9.6 mi |
More ZIP Codes in Calvert County
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Frequently Asked Questions
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What is the population of ZIP code 20754? ▼
What is the median household income in ZIP 20754? ▼
What is the average home value in ZIP 20754? ▼
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How many businesses are in ZIP code 20754? ▼
What are the main industries in ZIP code 20754? ▼
How have home values changed in ZIP code 20754? ▼
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What is the average commute time in ZIP 20754? ▼
What percentage of residents own vs. rent in ZIP 20754? ▼
What is the poverty rate in ZIP code 20754? ▼
ZIP Code Research Guides
Official Data Resources for Dunkirk, 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.