20776 ZIP Code — Harwood, MD

Anne Arundel County, Maryland

ZIP code 20776 is located in Harwood, Maryland, within Anne Arundel County. It covers approximately 21.62 square miles and serves a population of 2,966 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 443/667/410.

About ZIP code 20776

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $584,700. Owner-occupancy is high at 94%, well above the national average.

The gap between median ($118,092) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 52% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 40% of residents holding a bachelor's degree or higher.

Overall, ZIP code 20776 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,966

population

21.62

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

20776 ZIP code map

Cities in ZIP code 20776

Below are the cities the US Postal Service accepts for ZIP code 20776. Using any city not on this list may result in mail delivery delays.

City	Status
Harwood	Preferred

Nearby ZIP codes

20778 West River (2.8 mi) 21035 Davidsonville (5 mi) 21037 Edgewater (5.1 mi) 20711 Lothian (5.1 mi) 21140 Riva (5.7 mi) 20764 Shady Side (5.8 mi) 20751 Deale (5.9 mi) 20733 Churchton (6.1 mi) 20716 Bowie (6.8 mi) 20779 Tracys Landing (7.7 mi) 21403 Annapolis (8 mi) 20774 Upper Marlboro (8.7 mi)

Demographics updated 05/2026

Population
Total population	2,966
Population density	137 / sq mi
State FIPS	24
County FIPS	003

Geography
Land area	21.62 sq mi
Water area	2.30 sq mi
Latitude	38.8695
Longitude	-76.6084
Timezone	Eastern (ET)
Area code	443/667/410

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.2%	20.1%	28.2%
$50k – $100k	24.0%	27.4%	28.2%
$100k – $200k	37.7%	36.3%	30.1%
Over $200k	10.2%	16.2%	13.4%

Demographics & statistics

2,966

Population

137

People per sq mi

51.2

Median age

$118,092

Median household income

$62,866

Per capita income

$584,700

Median home value

Median monthly rent

94.3%

Home ownership

3.9%

Poverty rate

8.7%

Unemployment

1,118

Housing units

40.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

107

10–14

104

148

15–19

145

20–24

25–34

148

35–44

144

213

45–54

208

118

55–59

115

60–64

205

65–74

199

120

75–84

116

110

85+

108

← Male

Female →

Age summary

Group	Count	%
Under 18	618	20.8%
18 and over	2,348	79.2%
65 and over	858	28.9%
Median age	51.2 years

Race & ethnicity

White 86.3%

Black or African American 12.5%

Two or more races 0.6%

Hispanic or Latino 0.3%

Other race 0.3%

Group	Count	%
White	2,568	86.3%
Black or African American	371	12.5%
Two or more races	18	0.6%
Hispanic or Latino	9	0.3%
Other race	9	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.2%	20.1%	28.2%
$50k – $100k	24.0%	27.4%	28.2%
$100k – $200k	37.7%	36.3%	30.1%
Over $200k	10.2%	16.2%	13.4%

Under $10k 4.3%

$15k–$25k 1.6%

$25k–$35k 1.0%

$35k–$50k 17.9%

$50k–$75k 7.3%

$75k–$100k 7.2%

$100k–$150k 17.3%

$150k–$200k 20.6%

$200k+ 22.8%

Range	% of households
Under $10k	4.3%
$15k–$25k	1.6%
$25k–$35k	1.0%
$35k–$50k	17.9%
$50k–$75k	7.3%
$75k–$100k	7.2%
$100k–$150k	17.3%
$150k–$200k	20.6%
$200k+	22.8%
Median income	$118,092

Housing

Home values

Under $50k 10.6%

$50k–$100k 3.6%

$100k–$150k 0.8%

$150k–$200k 2.6%

$200k–$300k 2.0%

$300k–$500k 16.9%

$500k–$1M 48.9%

$1M+ 14.6%

Housing overview

Metric	Value
Median home value	$584,700
Median rent / month	$0
Owner occupied	94.3%
Renter occupied	5.7%
Vacant	4.2%
Single-family detached	83.5%
Large apartment buildings	0.0%
Mobile homes	14.9%
Median rooms	10.0
Avg household size (owned)	2.59

Year built

Era	%
2020 or later	0.0%
2010–2019	2.6%
2000–2009	13.9%
1990–1999	11.9%
1980–1989	32.1%
1970–1979	20.4%
1960–1969	8.6%
1950–1959	1.7%
1940–1949	2.1%
1939 or earlier	6.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.4%
2 bedrooms	4.6%
3 bedrooms	29.2%
4 bedrooms	45.8%
5+ bedrooms	16.1%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	31.1%
2 vehicles	30.4%
3 or more	38.6%

Heating fuel

Fuel type	%
Electricity	65.8%
Propane / LP gas	6.2%
Fuel oil	23.0%
Wood	0.5%
Solar	2.8%

Households & families

Household type	Count	%
Married-couple family	695	61.3%
Cohabiting couple	0	0.0%
Male householder, no spouse	186	16.4%
Female householder, no spouse	252	22.2%
Households with children under 18	316	27.9%
Households with seniors (65+)	667	58.9%
Average household size	2.61

Marital status

Status	Male	Female
Never married	27.5%	19.0%
Married	57.4%	56.4%
Separated	0.3%	0.0%
Widowed	7.6%	21.3%
Divorced	7.2%	3.2%

Education

Less than 9th grade 0.8%

Some HS, no diploma 8.5%

HS graduate 25.6%

Some college, no degree 14.2%

Associate's degree 10.9%

Bachelor's degree 20.2%

Graduate / professional 19.8%

Metric	%
HS diploma or higher	90.7%
Bachelor's or higher	40.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	23	3.5%
Kindergarten	9	1.4%
Elementary school	180	27.3%
High school	365	55.4%
College / grad school	82	12.4%

Employment

Industry of employment

Education & healthcare 23.5%

Construction 16.1%

Public administration 11.4%

Professional & management 10.5%

Retail trade 9.6%

Other services 8.6%

Transportation & utilities 5.5%

Finance & real estate 5.5%

Arts, food & hospitality 5.2%

Agriculture & mining 3.2%

Manufacturing 1.0%

Occupation

Category	%
Management, business & arts	55.2%
Service	13.4%
Sales & office	13.5%
Natural resources & construction	14.1%
Production & transportation	3.7%

Employment type

Type	%
Private sector	65.8%
Government	26.5%
Self-employed	7.3%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	69.8%
Carpool	9.7%
Public transit	0.7%
Walk	1.6%
Work from home	18.1%
Other means	0.0%
Avg commute (minutes)	36.0

Poverty

All people 3.9%

Under 18 years 4.7%

18 and over 3.6%

Married-couple families 1.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	51.7%
Retirement income	48.4%
Supplemental Security	3.9%
Cash public assistance	2.0%
Food stamps / SNAP	7.9%

Health indicators

Condition	%
Obesity	32.0%
High blood pressure	34.9%
High cholesterol	35.0%
Diabetes	9.5%
Heart disease	6.0%
Stroke	2.7%
Asthma	9.0%
Arthritis	25.6%
Kidney disease	2.7%
Pulmonary disease	5.5%
Cancer	7.2%

Behavior / access	%
Smoking	12.4%
Binge drinking	15.7%
No physical activity	18.8%
Less than 7 hrs sleep	32.0%
Depression	18.7%
Fair or poor health	10.6%
Poor mental health	12.7%
Poor physical health	8.6%
No health insurance	8.1%
Visited doctor (checkup)	77.1%
Visited dentist	72.2%
Cholesterol screening	93.8%
Teeth loss	8.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	175	7.5%

Disability	%
Any disability	15.1%
Under 18	0.0%
18–64 years	9.3%
65 and over	36.1%

Health insurance coverage

Type	%
Private insurance	77.2%
Public insurance	41.1%
No insurance	8.8%
Uninsured under 19	13.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,853	96.2%
Spanish	66	2.3%
Other Indo-European	66	2.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,800	94.4%
Born in same state	2,778	93.7%
Born in different state	1,661	56.0%
Foreign born	22	0.7%
Naturalized citizen	166	5.6%
Not a US citizen	119	71.7%

Ancestry

Ancestry	Count	%
French	491	16.6%
Italian	382	12.9%
Arab	60	2%

Ancestry	Count	%
Irish	6	0.2%
English	6	0.2%

Technology access

Metric	% of households
Computer access	38.2%
Internet access	92.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 20776

What city is ZIP code 20776 in?

ZIP code 20776 is primarily assigned to Harwood, Maryland.

What county is ZIP code 20776 in?

ZIP code 20776 falls within Anne Arundel County, Maryland.

Is ZIP code 20776 mostly owner-occupied?

94% of occupied units in ZIP code 20776 are owner-occupied, well above the national average.

Does ZIP code 20776 have an older population?

29% of residents in ZIP code 20776 are 65 or older, above the national average of ~17%.

Does ZIP code 20776 have a large retiree population?

52% of households in ZIP code 20776 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 20776?

The median home value in ZIP code 20776 is $584,700.

What timezone is ZIP code 20776 in?

ZIP code 20776 observes the EST timezone.