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Maryland ZIP Codes
Charles County
Issue, MD
20645
20645 ZIP Code — Issue, MD
Charles County, Maryland
ZIP code 20645 is located in
Issue ,
Maryland ,
within Charles County .
It covers approximately 1.38 square miles and serves a population of
763 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 240/301 .
About ZIP code 20645
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $427,600. Owner-occupancy is high at 95%, well above the national average.
The gap between median ($119,167) and mean household income suggests income inequality — a small number of higher earners pull the average up. 61% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is sales and office, with professional and management as the leading industry. An above-average commute of 53 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 27% of workers work from home.
Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.
Overall, ZIP code 20645 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
20645 ZIP code map
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Cities in ZIP code 20645
Below are the cities the US Postal Service accepts for ZIP code 20645. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
763
Population density
553 / sq mi
State FIPS
24
County FIPS
017
Geography
Land area
1.38 sq mi
Water area
1.29 sq mi
Latitude
38.2822
Longitude
-76.9553
Timezone
Eastern (ET)
Area code
240/301
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
27.4%
20.2%
28.2%
$50k – $100k
22.6%
28.0%
28.2%
$100k – $200k
26.3%
38.4%
30.1%
Over $200k
23.7%
13.4%
13.4%
Demographics & statistics
$119,167
Median household income
$427,600
Median home value
31.2%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 165 21.6% 18 and over 598 78.4% 65 and over 201 26.3% Median age 50.4 years
Race & ethnicity
American Indian / Alaska Native
0.5%
Group Count % White 707 87.9% Two or more races 52 6.5% Hispanic or Latino 41 5.1% American Indian / Alaska Native 4 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
27.4%
20.2%
28.2%
$50k – $100k
22.6%
28.0%
28.2%
$100k – $200k
26.3%
38.4%
30.1%
Over $200k
23.7%
13.4%
13.4%
Range % of households $25k–$35k 8.7% $35k–$50k 5.2% $50k–$75k 8.7% $75k–$100k 12.2% $100k–$150k 22.4% $150k–$200k 5.6% $200k+ 37.1% Median income $119,167
Housing
Housing overview
Metric Value Median home value $427,600 Median rent / month $0 Owner occupied 94.8% Renter occupied 5.2% Vacant 0.0% Single-family detached 100.0% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 6.5 Avg household size (owned) 2.70
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 2.1% 1990–1999 60.1% 1980–1989 35.0% 1970–1979 2.8% 1960–1969 0.0% 1950–1959 0.0% 1940–1949 0.0% 1939 or earlier 0.0%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 0.0% 2 bedrooms 0.0% 3 bedrooms 48.6% 4 bedrooms 46.5% 5+ bedrooms 4.9%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 23.1% 2 vehicles 51.4% 3 or more 25.5%
Heating fuel
Fuel type % Electricity 92.0% Fuel oil 8.0%
Households & families
Household type Count % Married-couple family 201 70.3% Cohabiting couple 8 2.8% Male householder, no spouse 0 0.0% Female householder, no spouse 77 26.9% Households with children under 18 77 26.9% Households with seniors (65+) 126 44.1% Average household size 2.67
Marital status
Status Male Female Never married 34.0% 14.1% Married 63.5% 62.9% Separated 0.0% 0.0% Widowed 0.0% 13.5% Divorced 2.5% 9.5%
Education
Some college, no degree
23.1%
Graduate / professional
17.7%
Metric % HS diploma or higher 92.4% Bachelor's or higher 31.2%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 58 29.4% High school 85 43.1% College / grad school 54 27.4%
Employment
Industry of employment
Professional & management
24.7%
Public administration
23.5%
Education & healthcare
21.5%
Arts, food & hospitality
3.6%
Occupation
Category % Management, business & arts 37.2% Service 7.7% Sales & office 41.7% Natural resources & construction 13.4% Production & transportation 0.0%
Employment type
Type % Private sector 32.0% Government 68.0% Self-employed 0.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 73.3% Carpool 0.0% Public transit 0.0% Walk 0.0% Work from home 26.7% Other means 0.0% Avg commute (minutes) 52.7
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 61.2% Retirement income 53.1% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 4.2%
Health indicators
Condition % Obesity 39.3% High blood pressure 43.5% High cholesterol 40.9% Diabetes 13.7% Heart disease 8.2% Stroke 3.9% Asthma 10.2% Arthritis 32.1% Kidney disease 3.5% Pulmonary disease 9.1% Cancer 8.1%
Behavior / access % Smoking 19.4% Binge drinking 12.4% No physical activity 27.3% Less than 7 hrs sleep 35.5% Depression 18.7% Fair or poor health 15.6% Poor mental health 13.9% Poor physical health 10.9% No health insurance 10.2% Visited doctor (checkup) 80.4% Visited dentist 61.8% Cholesterol screening 93.2% Teeth loss 13.1%
Veterans & disability
Veterans Count % Civilian veterans 67 11.2%
Disability % Any disability 10.0% Under 18 0.0% 18–64 years 0.0% 65 and over 37.8%
Health insurance coverage
Type % Private insurance 96.7% Public insurance 42.9% No insurance 0.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 732 95.9% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 763 100.0% Born in same state 754 98.8% Born in different state 287 37.6% Foreign born 9 1.2% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % French 277 36.3% Italian 113 14.8% Arab 34 4.5%
Ancestry Count % Irish 17 2.2% English 13 1.7%
Technology access
Metric % of households Computer access 37.5% Internet access 93.4%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 20645
What city is ZIP code 20645 in?
ZIP code 20645 is primarily assigned to Issue, Maryland.
What county is ZIP code 20645 in?
ZIP code 20645 falls within Charles County, Maryland.
Does ZIP code 20645 have a large retiree population?
61% of households in ZIP code 20645 receive Social Security income, suggesting a significant retiree or disability population.
Is ZIP code 20645 mostly owner-occupied?
95% of occupied units in ZIP code 20645 are owner-occupied, well above the national average.
Does ZIP code 20645 have an older population?
26% of residents in ZIP code 20645 are 65 or older, above the national average of ~17%.
Does ZIP code 20645 have a large veteran population?
11% of civilians in ZIP code 20645 are veterans, above the national average of ~7%.
What timezone is ZIP code 20645 in?
ZIP code 20645 observes the EST timezone.
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