20736 ZIP Code — Owings, MD

Calvert County, Maryland

ZIP code 20736 is located in Owings, Maryland, within Calvert County. It covers approximately 24.74 square miles and serves a population of 9,274 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 240.

About ZIP code 20736

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 $531,700. Owner-occupancy is high at 94%, well above the national average.

Median household income is $158,924.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. An above-average commute of 39 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 15% of civilians, above the national average of 7%.

Overall, ZIP code 20736 reflects a community defined by a strong veteran community and high homeownership.

9,274

population

24.74

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

20736 ZIP code map

Cities in ZIP code 20736

Below are the cities the US Postal Service accepts for ZIP code 20736. Using any city not on this list may result in mail delivery delays.

City	Status
Owings	Preferred

Nearby ZIP codes

20689 Sunderland (2.4 mi) 20754 Dunkirk (3.6 mi) 20758 Friendship (3.7 mi) 20732 Chesapeake Beach (4.6 mi) 20714 North Beach (4.7 mi) 20779 Tracys Landing (5.4 mi) 20639 Huntingtown (5.6 mi) 20711 Lothian (7.9 mi) 20751 Deale (7.9 mi) 20608 Aquasco (9.1 mi) 20733 Churchton (9.4 mi) 20778 West River (10.7 mi)

Demographics updated 05/2026

Population
Total population	9,274
Population density	375 / sq mi
State FIPS	24
County FIPS	009

Geography
Land area	24.74 sq mi
Water area	0.63 sq mi
Latitude	38.6895
Longitude	-76.6153
Timezone	Eastern (ET)
Area code	240

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	8.7%	17.9%	28.2%
$50k – $100k	17.5%	25.0%	28.2%
$100k – $200k	49.2%	39.4%	30.1%
Over $200k	24.6%	17.7%	13.4%

Demographics & statistics

9,274

Population

375

People per sq mi

45.2

Median age

$158,924

Median household income

$64,671

Per capita income

$531,700

Median home value

$1,455

Median monthly rent

93.9%

Home ownership

1.2%

Poverty rate

1.7%

Unemployment

3,234

Housing units

43.2%

Bachelor's or higher

Age distribution

Male Female

206

Under 5

220

298

5–9

317

312

10–14

333

332

15–19

353

136

20–24

145

361

25–34

385

590

35–44

630

711

45–54

759

343

55–59

365

508

60–64

542

390

65–74

415

220

75–84

234

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,136	23.0%
18 and over	7,138	77.0%
65 and over	1,428	15.4%
Median age	45.2 years

Race & ethnicity

White 77.3%

Black or African American 8.4%

Two or more races 8%

Hispanic or Latino 3.4%

Other race 2%

Asian 0.5%

American Indian / Alaska Native 0.5%

Group	Count	%
White	7,422	77.3%
Black or African American	805	8.4%
Two or more races	768	8%
Hispanic or Latino	330	3.4%
Other race	190	2%
Asian	45	0.5%
American Indian / Alaska Native	44	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	8.7%	17.9%	28.2%
$50k – $100k	17.5%	25.0%	28.2%
$100k – $200k	49.2%	39.4%	30.1%
Over $200k	24.6%	17.7%	13.4%

Under $10k 0.6%

$15k–$25k 2.0%

$25k–$35k 0.7%

$35k–$50k 4.1%

$50k–$75k 6.0%

$75k–$100k 9.1%

$100k–$150k 25.7%

$150k–$200k 19.8%

$200k+ 31.8%

Range	% of households
Under $10k	0.6%
$15k–$25k	2.0%
$25k–$35k	0.7%
$35k–$50k	4.1%
$50k–$75k	6.0%
$75k–$100k	9.1%
$100k–$150k	25.7%
$150k–$200k	19.8%
$200k+	31.8%
Median income	$158,924

Housing

Home values

$200k–$300k 6.2%

$300k–$500k 37.7%

$500k–$1M 54.1%

$1M+ 1.9%

Housing overview

Metric	Value
Median home value	$531,700
Median rent / month	$1,455
Owner occupied	93.9%
Renter occupied	6.1%
Vacant	4.9%
Single-family detached	94.3%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	8.3
Avg household size (owned)	2.87

Year built

Era	%
2020 or later	0.0%
2010–2019	8.1%
2000–2009	24.9%
1990–1999	19.1%
1980–1989	24.1%
1970–1979	12.7%
1960–1969	2.9%
1950–1959	2.3%
1940–1949	1.0%
1939 or earlier	4.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.6%
2 bedrooms	5.7%
3 bedrooms	30.9%
4 bedrooms	34.9%
5+ bedrooms	27.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	12.9%
2 vehicles	36.2%
3 or more	47.9%

Heating fuel

Fuel type	%
Utility gas	1.2%
Electricity	75.4%
Propane / LP gas	9.3%
Fuel oil	11.6%
Wood	1.6%

Households & families

Household type	Count	%
Married-couple family	2,300	70.5%
Cohabiting couple	92	2.8%
Male householder, no spouse	336	10.3%
Female householder, no spouse	535	16.4%
Households with children under 18	1,180	36.2%
Households with seniors (65+)	975	29.9%
Average household size	2.84

Marital status

Status	Male	Female
Never married	18.0%	27.2%
Married	69.7%	58.4%
Separated	2.7%	0.8%
Widowed	2.4%	7.5%
Divorced	7.2%	6.0%

Education

Less than 9th grade 0.7%

Some HS, no diploma 3.9%

HS graduate 21.2%

Some college, no degree 21.0%

Associate's degree 10.0%

Bachelor's degree 28.1%

Graduate / professional 15.1%

Metric	%
HS diploma or higher	95.5%
Bachelor's or higher	43.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	112	5.0%
Kindergarten	126	5.7%
Elementary school	877	39.4%
High school	629	28.2%
College / grad school	484	21.7%

Employment

Industry of employment

Professional & management 19.8%

Public administration 17.9%

Education & healthcare 17.5%

Construction 12.2%

Arts, food & hospitality 6.7%

Other services 4.9%

Retail trade 4.8%

Finance & real estate 4.4%

Manufacturing 4.3%

Transportation & utilities 4.1%

Information 1.8%

Wholesale trade 1.5%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	55.7%
Service	11.9%
Sales & office	18.0%
Natural resources & construction	11.9%
Production & transportation	2.5%

Employment type

Type	%
Private sector	65.9%
Government	27.7%
Self-employed	6.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.5%
Carpool	4.6%
Public transit	2.4%
Walk	0.6%
Work from home	9.7%
Other means	0.2%
Avg commute (minutes)	38.9

Poverty

All people 1.2%

Under 18 years 0.0%

18 and over 1.5%

Married-couple families 1.1%

Female-led households 0.0%

Income support

Source	% of households
Social Security	27.3%
Retirement income	35.3%
Supplemental Security	1.7%
Cash public assistance	0.7%
Food stamps / SNAP	1.6%

Health indicators

Condition	%
Obesity	34.3%
High blood pressure	31.7%
High cholesterol	34.9%
Diabetes	8.9%
Heart disease	4.9%
Stroke	2.4%
Asthma	9.6%
Arthritis	26.1%
Kidney disease	2.3%
Pulmonary disease	5.1%
Cancer	6.7%

Behavior / access	%
Smoking	13.5%
Binge drinking	15.5%
No physical activity	17.5%
Less than 7 hrs sleep	34.5%
Depression	18.3%
Fair or poor health	9.5%
Poor mental health	13.0%
Poor physical health	7.4%
No health insurance	7.8%
Visited doctor (checkup)	75.7%
Visited dentist	73.5%
Cholesterol screening	93.6%
Teeth loss	7.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,004	14.5%

Disability	%
Any disability	7.5%
Under 18	2.0%
18–64 years	5.6%
65 and over	23.0%

Health insurance coverage

Type	%
Private insurance	87.7%
Public insurance	23.6%
No insurance	2.8%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,848	95.4%
Spanish	62	0.7%
Other Indo-European	21	0.2%
Asian & Pacific Islander	41	0.5%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,898	95.9%
Born in same state	8,812	95.0%
Born in different state	4,121	44.4%
Foreign born	86	0.9%
Naturalized citizen	376	4.1%
Not a US citizen	236	62.8%

Ancestry

Ancestry	Count	%
French	1,744	18.8%
Italian	1,039	11.2%
Arab	400	4.3%
German	97	1%

Ancestry	Count	%
English	90	1%
Polish	85	0.9%
Irish	21	0.2%

Technology access

Metric	% of households
Computer access	35.2%
Internet access	98.4%

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

Frequently asked questions about ZIP code 20736

What city is ZIP code 20736 in?

ZIP code 20736 is primarily assigned to Owings, Maryland.

What county is ZIP code 20736 in?

ZIP code 20736 falls within Calvert County, Maryland.

Is ZIP code 20736 mostly owner-occupied?

94% of occupied units in ZIP code 20736 are owner-occupied, well above the national average.

Does ZIP code 20736 have a large veteran population?

15% of civilians in ZIP code 20736 are veterans, above the national average of ~7%.

What is the median household income in ZIP code 20736?

The median household income in ZIP code 20736 is $158,924, above the national median of ~$75,000.

What is the typical home value in ZIP code 20736?

The median home value in ZIP code 20736 is $531,700.

What timezone is ZIP code 20736 in?

ZIP code 20736 observes the EST timezone.