Harwood, MD · standard
ZIP Code 20776
Anne Arundel County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,289
- 56/sq mi Moderate-density area
- $149,300
- Median income Above-median income area
- $616,000
- Median home value Above-median home value
- 41.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Harwood pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 4%
- household income, US ZIPs
- Top 9%
- home value, US ZIPs
- 56
- people per sq mi
- 94%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20776 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 20776 (Harwood, MD) rose +3.6% from 2023 to 2024. The all-transactions index moved from 258.5 in 2023 to 267.9 in 2024 (2000 = 100).
ZIP code 20776 covers 58.4 square miles in Harwood, Anne Arundel County, Maryland (a standard USPS delivery area), with a modest 3,289 residents on file, a density of 56 people per square mile, in the New York time zone.
ZIP 20776 skews affluent, with a median household income of $149,300 (31% above the average Maryland ZIP), while per-capita income is $69,038. The poverty rate is 7.1%, with unemployment at 4.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $616,000 (38% above the average Maryland ZIP), while 94.3% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 41.0% of adults hold a bachelor's degree or higher, the median age is 45.9, and the average commute is 34 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Anne Arundel County, so 20776 can be compared with both its immediate and county-level context.
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 20776
Top 5 sectors by establishment count in Harwood, MD
Which industries have the most business establishments in ZIP 20776.
- Construction
Construction
24 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
15 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
12 establishments
- Other services (except public administration) 8
Other services (except public administration)
8 establishments
- Health care and social assistance 4
Health care and social assistance
4 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20776, Harwood, 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
3,289
Population
58.4
Area (sq mi)
56
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20776?
45.9
Median Age
47.9%
Male
52.1%
Female
2.7%
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?
$149,300
Median Household Income
+31% vs state ZIP avg
$69,038
Per Capita Income
7.1%
Poverty Rate
4.4%
Unemployment Rate
33.9 min
Mean Commute Time
How ZIP 20776 ranks among Maryland ZIPs
Harwood, MD household income vs. every Maryland ZIP code
Median household income among 419 reporting Maryland ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$149,300 Top 20% higher than 80% of 419 Maryland ZIPs
Each bar is a $20K-wide band; taller bars hold more Maryland 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?
Housing stock: occupied vs vacant
1,278housing units
1,278
Total Housing Units
1,212
Occupied Units
66
Vacant Units
2.71
Avg Household Size
Occupancy Type
$616,000
Median Home Value
+38% vs state ZIP avg
1985
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
+3.6%
YoY Change (2024)
268
HPI Index (2000 = 100)
+168%
Total Change Since 2000
Home values in ZIP 20776 have increased 3.6% over the past year (2024). Since 2000, this ZIP has seen +168% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.1% | 196 |
| 2021 | +6.6% | 209 |
| 2022 | +8.3% | 227 |
| 2023 | +13.9% | 259 |
| 2024 | +3.6% | 268 |
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 74 business establishments in ZIP 20776, employing approximately 630 people with a combined annual payroll of $39,167,000.
74
Businesses
630
Employees
$39.2M
Annual Payroll
5
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 24 | 32.4% |
| Professional, scientific, and technical services | 15 | 20.3% |
| Administrative and support and waste management and remediation services | 12 | 16.2% |
| Other services (except public administration) | 8 | 10.8% |
| Health care and social assistance | 4 | 5.4% |
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 20776 vs 20778 →
ZIP 20776 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21037
Edgewater (21037)
20,618 residents
- 21035 7,815
Davidsonville (21035)
7,815 residents
- 20711 6,643
Lothian (20711)
6,643 residents
- 20764 4,176
Shady Side (20764)
4,176 residents
- 21140 3,457
Riva (21140)
3,457 residents
- 20776 3,289
Harwood (20776)
3,289 residents
- 20733 2,672
Churchton (20733)
2,672 residents
- 20751 2,343
Deale (20751)
2,343 residents
- 20778 2,009
West River (20778)
2,009 residents
What this shows Among its immediate neighbors, ZIP 20776 ranks #6 by population - useful context the national average alone can't give.
ZIP 20776 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20778
West River (20778)
$205,974 median income
- 21035
Davidsonville (21035)
$188,347 median income
- 20779
Tracys Landing (20779)
$178,452 median income
- 21140
Riva (21140)
$170,156 median income
- 20765
Galesville (20765)
$149,545 median income
- 20776
Harwood (20776)
$149,300 median income
- 21037
Edgewater (21037)
$145,787 median income
- 20733
Churchton (20733)
$126,797 median income
- 20751
Deale (20751)
$123,951 median income
What this shows By household income, ZIP 20776 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20778 | West River, MD | 2,009 | 3.3 mi |
| 20765 | Galesville, MD | 514 | 3.8 mi |
| 21035 | Davidsonville, MD | 7,815 | 4.8 mi |
| 21140 | Riva, MD | 3,457 | 5.6 mi |
| 21037 | Edgewater, MD | 20,618 | 4.6 mi |
| 20711 | Lothian, MD | 6,643 | 5.1 mi |
| 20751 | Deale, MD | 2,343 | 5.8 mi |
| 20764 | Shady Side, MD | 4,176 | 5.8 mi |
| 20779 | Tracys Landing, MD | 1,182 | 7.5 mi |
| 20733 | Churchton, MD | 2,672 | 6.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20776, both outside MD so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (3,289 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Anne Arundel County
Related Areas
Frequently Asked Questions
What county is ZIP code 20776 in?
ZIP code 20776 (Harwood) 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 20776?
ZIP code 20776 in Harwood, MD has a population of 3,289 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20776?
The median household income in ZIP 20776 is $149,300, which is 96% above the national average of $76,288.
What is the average home value in ZIP 20776?
The median home value in ZIP 20776 is $616,000, which is 121% above the national average of $278,155.
What is the demographic makeup of ZIP 20776?
The largest racial group in ZIP 20776 is White at 81.7%. Hispanic or Latino residents make up 1.0% of the population.
How many businesses are in ZIP code 20776?
ZIP code 20776 has 74 business establishments employing approximately 630 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20776?
The top industries by establishment count in ZIP 20776 are: Construction (24), Professional, scientific, and technical services (15), Administrative and support and waste management and remediation services (12). There are 5 industry sectors represented in total.
How have home values changed in ZIP code 20776?
According to the FHFA House Price Index, home values in ZIP 20776 increased by 3.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 168%. 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 20776?
In ZIP code 20776, 70.4% of residents aged 25+ have a high school diploma or higher, and 41.0% 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 20776?
The mean commute time for workers in ZIP code 20776 is 33.9 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 20776?
In ZIP code 20776, approximately 94.3% of occupied housing units are owner-occupied and 5.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20776?
The poverty rate in ZIP code 20776 is 7.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 20776's numbers, next.
- See how ZIP 20776 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Harwood, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.