20657 ZIP Code — Lusby, MD

Calvert County, Maryland

ZIP code 20657 is located in Lusby, Maryland, within Calvert County. It covers approximately 29.86 square miles and serves a population of 21,054 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 410/443/667.

About ZIP code 20657

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 $307,300. Owner-occupancy is high at 85%, well above the national average.

Median household income is $110,669. The poverty rate of 7% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 40 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 20657 reflects a community defined by a strong veteran community and high homeownership.

21,054

population

29.86

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

20657 ZIP code map

Cities in ZIP code 20657

Below are the cities the US Postal Service accepts for ZIP code 20657. Using any city not on this list may result in mail delivery delays.

City	Status
Lusby	Preferred

Nearby ZIP codes

20688 Solomons (3.6 mi) 20688 Solomons (3.6 mi) 20685 Saint Leonard (6.2 mi) 20615 Broomes Island (6.2 mi) 20670 Patuxent River (6.5 mi) 20636 Hollywood (7.3 mi) 20619 California (7.7 mi) 20653 Lexington Park (9.5 mi) 20634 Great Mills (9.7 mi) 20676 Port Republic (9.8 mi) 20620 Callaway (11 mi) 20667 Park Hall (11.1 mi)

Demographics updated 05/2026

Population
Total population	21,054
Population density	705 / sq mi
State FIPS	24
County FIPS	009

Geography
Land area	29.86 sq mi
Water area	9.14 sq mi
Latitude	38.3779
Longitude	-76.4433
Timezone	Eastern (ET)
Area code	410/443/667

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.8%	17.9%	28.2%
$50k – $100k	31.1%	25.0%	28.2%
$100k – $200k	35.4%	39.4%	30.1%
Over $200k	14.7%	17.7%	13.4%

Demographics & statistics

21,054

Population

705

People per sq mi

35.4

Median age

$110,669

Median household income

$48,660

Per capita income

$307,300

Median home value

$1,534

Median monthly rent

85.0%

Home ownership

6.9%

Poverty rate

3.6%

Unemployment

6,966

Housing units

29.8%

Bachelor's or higher

Age distribution

Male Female

678

Under 5

663

655

5–9

641

697

10–14

682

600

15–19

587

732

20–24

717

1,862

25–34

1,821

1,268

35–44

1,240

1,205

45–54

1,179

1,121

55–59

1,096

589

60–64

576

823

65–74

806

318

75–84

311

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	4,822	22.9%
18 and over	16,232	77.1%
65 and over	2,445	11.6%
Median age	35.4 years

Race & ethnicity

White 76.9%

Black or African American 12.2%

Two or more races 5.7%

Hispanic or Latino 3.2%

Asian 0.9%

Other race 0.9%

American Indian / Alaska Native 0.1%

Group	Count	%
White	16,743	76.9%
Black or African American	2,651	12.2%
Two or more races	1,237	5.7%
Hispanic or Latino	707	3.2%
Asian	206	0.9%
Other race	189	0.9%
American Indian / Alaska Native	19	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.8%	17.9%	28.2%
$50k – $100k	31.1%	25.0%	28.2%
$100k – $200k	35.4%	39.4%	30.1%
Over $200k	14.7%	17.7%	13.4%

Under $10k 3.4%

$10k–$15k 2.6%

$15k–$25k 1.3%

$25k–$35k 3.3%

$35k–$50k 5.3%

$50k–$75k 18.7%

$75k–$100k 9.8%

$100k–$150k 23.3%

$150k–$200k 14.8%

$200k+ 17.4%

Range	% of households
Under $10k	3.4%
$10k–$15k	2.6%
$15k–$25k	1.3%
$25k–$35k	3.3%
$35k–$50k	5.3%
$50k–$75k	18.7%
$75k–$100k	9.8%
$100k–$150k	23.3%
$150k–$200k	14.8%
$200k+	17.4%
Median income	$110,669

Housing

Home values

Under $50k 1.2%

$50k–$100k 0.2%

$100k–$150k 0.9%

$150k–$200k 4.6%

$200k–$300k 41.2%

$300k–$500k 37.7%

$500k–$1M 13.2%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$307,300
Median rent / month	$1,534
Owner occupied	85.0%
Renter occupied	15.0%
Vacant	7.7%
Single-family detached	96.5%
Large apartment buildings	0.9%
Mobile homes	0.4%
Median rooms	7.1
Avg household size (owned)	2.85

Year built

Era	%
2020 or later	0.0%
2010–2019	3.7%
2000–2009	9.9%
1990–1999	37.2%
1980–1989	19.1%
1970–1979	16.7%
1960–1969	6.9%
1950–1959	2.7%
1940–1949	2.4%
1939 or earlier	1.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.9%
2 bedrooms	8.4%
3 bedrooms	52.3%
4 bedrooms	29.2%
5+ bedrooms	8.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.6%
1 vehicle	20.2%
2 vehicles	42.5%
3 or more	35.6%

Heating fuel

Fuel type	%
Utility gas	4.5%
Electricity	78.1%
Propane / LP gas	4.1%
Fuel oil	6.0%
Wood	4.9%
Solar	0.4%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	4,056	54.3%
Cohabiting couple	742	9.9%
Male householder, no spouse	1,253	16.8%
Female householder, no spouse	1,415	19.0%
Households with children under 18	2,432	32.6%
Households with seniors (65+)	1,727	23.1%
Average household size	2.82

Marital status

Status	Male	Female
Never married	38.2%	29.2%
Married	49.6%	49.1%
Separated	1.1%	1.8%
Widowed	1.5%	5.8%
Divorced	9.5%	14.1%

Education

Less than 9th grade 0.8%

Some HS, no diploma 5.1%

HS graduate 31.4%

Some college, no degree 23.3%

Associate's degree 9.5%

Bachelor's degree 15.9%

Graduate / professional 13.9%

Metric	%
HS diploma or higher	94.1%
Bachelor's or higher	29.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	267	5.8%
Kindergarten	217	4.7%
Elementary school	2,126	46.3%
High school	1,038	22.6%
College / grad school	948	20.6%

Employment

Industry of employment

Education & healthcare 26.8%

Public administration 14.3%

Construction 11.6%

Professional & management 11.2%

Retail trade 8.1%

Transportation & utilities 6.5%

Arts, food & hospitality 6.4%

Manufacturing 5.3%

Other services 4.2%

Information 2.2%

Wholesale trade 1.9%

Finance & real estate 1.4%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	46.0%
Service	16.6%
Sales & office	14.2%
Natural resources & construction	16.3%
Production & transportation	6.8%

Employment type

Type	%
Private sector	65.4%
Government	28.5%
Self-employed	6.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.1%
Carpool	5.7%
Public transit	2.3%
Walk	1.1%
Work from home	12.7%
Other means	1.2%
Avg commute (minutes)	40.4

Poverty

All people 6.9%

Under 18 years 7.8%

18 and over 6.6%

Married-couple families 2.3%

Female-led households 24.6%

Income support

Source	% of households
Social Security	22.6%
Retirement income	29.0%
Supplemental Security	3.6%
Cash public assistance	1.1%
Food stamps / SNAP	6.4%

Health indicators

Condition	%
Obesity	36.0%
High blood pressure	30.1%
High cholesterol	31.1%
Diabetes	8.6%
Heart disease	4.5%
Stroke	2.3%
Asthma	10.1%
Arthritis	23.8%
Kidney disease	2.2%
Pulmonary disease	5.2%
Cancer	5.6%

Behavior / access	%
Smoking	15.8%
Binge drinking	16.4%
No physical activity	19.5%
Less than 7 hrs sleep	36.8%
Depression	19.3%
Fair or poor health	10.6%
Poor mental health	14.7%
Poor physical health	7.7%
No health insurance	9.9%
Visited doctor (checkup)	74.2%
Visited dentist	68.4%
Cholesterol screening	91.2%
Teeth loss	10.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,998	12.5%

Disability	%
Any disability	9.8%
Under 18	4.3%
18–64 years	8.4%
65 and over	28.0%

Health insurance coverage

Type	%
Private insurance	78.4%
Public insurance	29.9%
No insurance	4.3%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,713	93.6%
Spanish	310	1.6%
Other Indo-European	231	1.2%
Asian & Pacific Islander	33	0.2%
Other languages	9	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,296	96.4%
Born in same state	19,762	93.9%
Born in different state	10,979	52.1%
Foreign born	534	2.5%
Naturalized citizen	758	3.6%
Not a US citizen	550	72.6%

Ancestry

Ancestry	Count	%
Italian	2,863	13.6%
French	2,275	10.8%
Arab	1,842	8.7%
German	210	1%
English	203	1%

Ancestry	Count	%
Polish	106	0.5%
Irish	68	0.3%
Dutch	32	0.2%
Norwegian	8	0%

Technology access

Metric	% of households
Computer access	35.5%
Internet access	95.2%

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

Frequently asked questions about ZIP code 20657

What city is ZIP code 20657 in?

ZIP code 20657 is primarily assigned to Lusby, Maryland.

What county is ZIP code 20657 in?

ZIP code 20657 falls within Calvert County, Maryland.

Is ZIP code 20657 mostly owner-occupied?

85% of occupied units in ZIP code 20657 are owner-occupied, well above the national average.

Does ZIP code 20657 have a large veteran population?

13% of civilians in ZIP code 20657 are veterans, above the national average of ~7%.

What is the median household income in ZIP code 20657?

The median household income in ZIP code 20657 is $110,669, above the national median of ~$75,000.

What is the typical home value in ZIP code 20657?

The median home value in ZIP code 20657 is $307,300.

What timezone is ZIP code 20657 in?

ZIP code 20657 observes the EST timezone.