Shady Side, MD · standard

ZIP Code 20764

Anne Arundel County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

4,176
406/sq mi: $118,857
Median income: $432,700
Median home value: 33.1%
Bachelor's or higher

The verdict

Shady Side pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 10%
household income, US ZIPs: Top 18%
home value, US ZIPs: 406
people per sq mi: 84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20764 against every reporting US ZIP.

ZIP code 20764 is classified by USPS as a standard delivery area and covers roughly 10.3 square miles in Shady Side, Anne Arundel County, Maryland. The area is home to 4,176 residents, producing a population density of 406 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 20764 against Maryland and the nation.

On the economic side, the median household income for ZIP 20764 sits at $118,857 (4% above the Maryland average), while per-capita income is $70,068. The poverty rate stands at 5.5% and the unemployment rate at 4.8%. On housing, the median home value is $432,700 (3% below the state average) with median rent at $2,490 per month, and 84.4% of occupied units are owner-occupied, a direct signal of whether 20764 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 33.1% of adults hold a bachelor's degree or higher, the median age is 52.8, and the average commute is 38 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Anne Arundel County, so you can benchmark 20764 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 20764

Other services (except public administration)

11
Construction

8
Retail trade

4
Professional, scientific, and technical services

4
Accommodation and food services

4

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 20764, Shady Side, MD · 2023 Accessed 2026-06-13 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

4,176

Population

10.3

Area (sq mi)

406

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 20764?

52.8

Median Age

52.5%

Male

47.5%

Female

4.7%

Foreign-Born

White 77.5%

African American 12.0%

Asian 0.0%

American Indian or Alaska Native 0.0%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 10.1%

Hispanic or Latino 3.5%

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?

$118,857

Median Household Income

+4% vs state

$70,068

Per Capita Income

5.5%

Poverty Rate

4.8%

Unemployment Rate

37.5 min

Mean Commute Time

How ZIP 20764 ranks nationally

Household income vs. every US ZIP code

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

$118,857 Top 10% higher than 90% 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?

High School Graduate or Higher 61.2%

Bachelor's Degree or Higher 33.1%

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

What does housing look like?

1,758

Total Housing Units

1,362

Occupied Units

396

Vacant Units

2.20

Avg Household Size

Occupancy Type

Owner 84.4%

Renter 15.6%

$432,700

Median Home Value

-3% vs state

$2,490

Median Rent

1977

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

+2.4%

YoY Change (2024)

269

HPI Index (2000 = 100)

+169%

Total Change Since 2000

Home values in ZIP 20764 have increased 2.4% over the past year (2024). Since 2000, this ZIP has seen +169% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+3.5%	201
2021	+8.7%	219
2022	+10.4%	242
2023	+8.7%	263
2024	+2.4%	269

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 44 business establishments in ZIP 20764, employing approximately 164 people with a combined annual payroll of $6,140,000.

Businesses

164

Employees

$6.1M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Other services (except public administration)	11	25.0%
Construction	8	18.2%
Retail trade	4	9.1%
Professional, scientific, and technical services	4	9.1%
Accommodation and food services	4	9.1%
Administrative and support and waste management and remediation services	3	6.8%

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 20764 vs 20765 →

21403

30,269
21037

20,618
20711

6,643
20714

4,345
20764

4,176
20776

3,289
20733

2,672
20751

2,343
20778

2,009

What this shows Among its immediate neighbors, ZIP 20764 ranks #5 by population — useful context the national average alone can't give.

20778

$205,974
20779

$178,452
20765

$149,545
20776

$149,300
21037

$145,787
20733

$126,797
20751

$123,951
21403

$123,329
20764

$118,857

What this shows By household income, ZIP 20764 ranks #9 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
20765	Galesville, MD	514	2.0 mi
20733	Churchton, MD	2,672	2.3 mi
20778	West River, MD	2,009	2.9 mi
20751	Deale, MD	2,343	3.7 mi
21037	Edgewater, MD	20,618	5.9 mi
21403	Annapolis, MD	30,269	7.7 mi
20779	Tracys Landing, MD	1,182	5.9 mi
20776	Harwood, MD	3,289	5.8 mi
20714	North Beach, MD	4,345	7.9 mi
20711	Lothian, MD	6,643	7.8 mi

More ZIP Codes in Anne Arundel County

Anne Arundel County Shady Side, MD Maryland

Frequently Asked Questions

What county is ZIP code 20764 in? ▼

ZIP code 20764 (Shady Side) is located in Anne Arundel County, Maryland. Anne Arundel County contains multiple ZIP codes, see the full list at /counties/anne-arundel-md.

What is the population of ZIP code 20764? ▼

ZIP code 20764 in Shady Side, MD has a population of 4,176 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 20764? ▼

The median household income in ZIP 20764 is $118,857, which is 56% above the national average of $76,288.

What is the average home value in ZIP 20764? ▼

The median home value in ZIP 20764 is $432,700, which is 56% above the national average of $278,155.

What is the demographic makeup of ZIP 20764? ▼

The largest racial group in ZIP 20764 is White at 77.5%. Hispanic or Latino residents make up 3.5% of the population.

How many businesses are in ZIP code 20764? ▼

ZIP code 20764 has 44 business establishments employing approximately 164 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 20764? ▼

The top industries by establishment count in ZIP 20764 are: Other services (except public administration) (11), Construction (8), Retail trade (4). There are 6 industry sectors represented in total.

How have home values changed in ZIP code 20764? ▼

According to the FHFA House Price Index, home values in ZIP 20764 increased by 2.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 169%. 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 20764? ▼

In ZIP code 20764, 61.2% of residents aged 25+ have a high school diploma or higher, and 33.1% 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 20764? ▼

The mean commute time for workers in ZIP code 20764 is 37.5 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 20764? ▼

In ZIP code 20764, approximately 84.4% of occupied housing units are owner-occupied and 15.6% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 20764? ▼

The poverty rate in ZIP code 20764 is 5.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.