20640 ZIP Code — Indian Head, MD

Charles County, Maryland

ZIP code 20640 is located in Indian Head, Maryland, within Charles County. It covers approximately 41.72 square miles and serves a population of 10,629 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 240/301.

About ZIP code 20640

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $294,400. Owner-occupancy is high at 77%, well above the national average.

Median household income is $88,750.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. An above-average commute of 50 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 20640 reflects a community defined by a strong veteran community and high homeownership.

10,629

population

41.72

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

20640 ZIP code map

Cities in ZIP code 20640

Below are the cities the US Postal Service accepts for ZIP code 20640. Using any city not on this list may result in mail delivery delays.

City	Status
Indian Head	Acceptable
Indian Head	Preferred

Nearby ZIP codes

20658 Marbury (0.9 mi) 22191 Woodbridge (6.6 mi) 22026 Dumfries (6.9 mi) 22135 Quantico (7.2 mi) 20616 Bryans Road (7.7 mi) 20677 Port Tobacco (8.2 mi) 22079 Lorton (8.2 mi) 20675 Pomfret (8.7 mi) 20662 Nanjemoy (9.2 mi) 20693 Welcome (9.4 mi) 20646 La Plata (9.4 mi) 22025 Dumfries (9.8 mi)

Demographics updated 05/2026

Population
Total population	10,629
Population density	255 / sq mi
State FIPS	24
County FIPS	017

Geography
Land area	41.72 sq mi
Water area	5.81 sq mi
Latitude	38.5611
Longitude	-77.1697
Timezone	Eastern (ET)
Area code	240/301

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.5%	20.2%	28.2%
$50k – $100k	31.2%	28.0%	28.2%
$100k – $200k	27.7%	38.4%	30.1%
Over $200k	10.6%	13.4%	13.4%

Demographics & statistics

10,629

Population

255

People per sq mi

37.4

Median age

$88,750

Median household income

$42,699

Per capita income

$294,400

Median home value

$1,510

Median monthly rent

76.7%

Home ownership

9.0%

Poverty rate

2.9%

Unemployment

3,373

Housing units

26.2%

Bachelor's or higher

Age distribution

Male Female

147

Under 5

168

322

5–9

368

345

10–14

394

498

15–19

569

413

20–24

472

624

25–34

715

578

35–44

661

803

45–54

918

339

55–59

388

243

60–64

279

375

65–74

428

173

75–84

199

85+

112

← Male

Female →

Age summary

Group	Count	%
Under 18	2,306	21.7%
18 and over	8,323	78.3%
65 and over	1,385	13.0%
Median age	37.4 years

Race & ethnicity

Black or African American 53.8%

White 37.1%

Two or more races 3.9%

Asian 2.3%

Hispanic or Latino 1.7%

Other race 0.9%

American Indian / Alaska Native 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
Black or African American	5,815	53.8%
White	4,013	37.1%
Two or more races	417	3.9%
Asian	250	2.3%
Hispanic or Latino	188	1.7%
Other race	94	0.9%
American Indian / Alaska Native	32	0.3%
Native Hawaiian / Pacific Islander	8	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.5%	20.2%	28.2%
$50k – $100k	31.2%	28.0%	28.2%
$100k – $200k	27.7%	38.4%	30.1%
Over $200k	10.6%	13.4%	13.4%

Under $10k 6.4%

$10k–$15k 1.9%

$15k–$25k 2.1%

$25k–$35k 5.5%

$35k–$50k 10.5%

$50k–$75k 17.1%

$75k–$100k 10.9%

$100k–$150k 20.0%

$150k–$200k 13.9%

$200k+ 11.6%

Range	% of households
Under $10k	6.4%
$10k–$15k	1.9%
$15k–$25k	2.1%
$25k–$35k	5.5%
$35k–$50k	10.5%
$50k–$75k	17.1%
$75k–$100k	10.9%
$100k–$150k	20.0%
$150k–$200k	13.9%
$200k+	11.6%
Median income	$88,750

Housing

Home values

Under $50k 7.6%

$50k–$100k 9.4%

$100k–$150k 5.4%

$150k–$200k 4.3%

$200k–$300k 24.5%

$300k–$500k 32.4%

$500k–$1M 16.3%

Housing overview

Metric	Value
Median home value	$294,400
Median rent / month	$1,510
Owner occupied	76.7%
Renter occupied	23.3%
Vacant	6.7%
Single-family detached	73.4%
Large apartment buildings	0.1%
Mobile homes	1.1%
Median rooms	6.6
Avg household size (owned)	2.68

Year built

Era	%
2020 or later	0.0%
2010–2019	3.1%
2000–2009	24.1%
1990–1999	7.5%
1980–1989	10.5%
1970–1979	6.7%
1960–1969	11.9%
1950–1959	14.8%
1940–1949	16.3%
1939 or earlier	5.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.5%
2 bedrooms	19.2%
3 bedrooms	44.7%
4 bedrooms	25.9%
5+ bedrooms	9.8%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	28.8%
2 vehicles	34.1%
3 or more	31.7%

Heating fuel

Fuel type	%
Utility gas	6.0%
Electricity	51.2%
Propane / LP gas	11.9%
Fuel oil	27.5%
Wood	1.9%
Solar	0.1%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	1,623	40.4%
Cohabiting couple	296	7.4%
Male householder, no spouse	673	16.7%
Female householder, no spouse	1,430	35.6%
Households with children under 18	1,376	34.2%
Households with seniors (65+)	1,156	28.7%
Average household size	2.62

Marital status

Status	Male	Female
Never married	46.2%	36.2%
Married	39.1%	36.7%
Separated	2.2%	1.7%
Widowed	2.6%	11.4%
Divorced	9.9%	14.0%

Education

Less than 9th grade 2.4%

Some HS, no diploma 4.1%

HS graduate 35.4%

Some college, no degree 23.4%

Associate's degree 8.5%

Bachelor's degree 14.2%

Graduate / professional 12.0%

Metric	%
HS diploma or higher	93.4%
Bachelor's or higher	26.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	105	3.7%
Kindergarten	167	5.9%
Elementary school	1,094	38.5%
High school	830	29.2%
College / grad school	649	22.8%

Employment

Industry of employment

Public administration 21.2%

Education & healthcare 16.6%

Professional & management 15.1%

Construction 11.0%

Retail trade 8.6%

Arts, food & hospitality 8.1%

Transportation & utilities 5.9%

Manufacturing 5.7%

Other services 3.2%

Finance & real estate 2.9%

Wholesale trade 0.9%

Information 0.8%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	34.7%
Service	20.8%
Sales & office	24.4%
Natural resources & construction	11.4%
Production & transportation	8.7%

Employment type

Type	%
Private sector	63.1%
Government	32.1%
Self-employed	4.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.1%
Carpool	9.1%
Public transit	5.0%
Walk	0.9%
Work from home	12.1%
Other means	0.8%
Avg commute (minutes)	50.2

Poverty

All people 9.0%

Under 18 years 11.0%

18 and over 8.4%

Married-couple families 1.9%

Female-led households 5.6%

Income support

Source	% of households
Social Security	25.3%
Retirement income	29.2%
Supplemental Security	6.6%
Cash public assistance	2.9%
Food stamps / SNAP	10.9%

Health indicators

Condition	%
Obesity	40.7%
High blood pressure	37.6%
High cholesterol	31.3%
Diabetes	11.4%
Heart disease	5.1%
Stroke	3.0%
Asthma	10.6%
Arthritis	23.1%
Kidney disease	2.7%
Pulmonary disease	5.8%
Cancer	5.3%

Behavior / access	%
Smoking	18.2%
Binge drinking	13.9%
No physical activity	26.0%
Less than 7 hrs sleep	40.0%
Depression	17.1%
Fair or poor health	13.5%
Poor mental health	14.9%
Poor physical health	8.7%
No health insurance	11.9%
Visited doctor (checkup)	79.2%
Visited dentist	60.2%
Cholesterol screening	90.9%
Teeth loss	13.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	953	11.9%

Disability	%
Any disability	12.4%
Under 18	6.0%
18–64 years	11.3%
65 and over	28.5%

Health insurance coverage

Type	%
Private insurance	79.5%
Public insurance	33.7%
No insurance	5.1%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,314	97.0%
Spanish	128	1.2%
Other Indo-European	12	0.1%
Asian & Pacific Islander	23	0.2%
Other languages	93	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,173	95.7%
Born in same state	10,021	94.3%
Born in different state	4,973	46.8%
Foreign born	152	1.4%
Naturalized citizen	456	4.3%
Not a US citizen	316	69.3%

Ancestry

Ancestry	Count	%
French	1,183	11.1%
Italian	676	6.4%
Arab	421	4%
English	87	0.8%

Ancestry	Count	%
Polish	67	0.6%
Norwegian	27	0.3%
German	13	0.1%
Irish	6	0.1%

Technology access

Metric	% of households
Computer access	37.8%
Internet access	92.0%

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

Frequently asked questions about ZIP code 20640

What city is ZIP code 20640 in?

ZIP code 20640 is primarily assigned to Indian Head, Maryland.

What county is ZIP code 20640 in?

ZIP code 20640 falls within Charles County, Maryland.

Does ZIP code 20640 have a large veteran population?

12% of civilians in ZIP code 20640 are veterans, above the national average of ~7%.

What is the population of ZIP code 20640?

ZIP code 20640 has an estimated population of 10,629 residents, with a density of 255 people per square mile.

What is the typical home value in ZIP code 20640?

The median home value in ZIP code 20640 is $294,400.

What is the median household income in ZIP code 20640?

The median household income in ZIP code 20640 is $88,750, above the national median of ~$75,000.

What timezone is ZIP code 20640 in?

ZIP code 20640 observes the EST timezone.