20686 ZIP Code — Saint Marys City, MD
Saint Marys County, Maryland
ZIP code 20686 is located in Saint Marys City, Maryland, within Saint Marys County. It covers approximately 0.27 square miles and serves a population of 963 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 240/301.
About ZIP code 20686
The housing stock consists of a mix of housing types.
The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 13 minutes is near the national average.
Educational attainment is high — 100% of residents hold a bachelor's degree or higher, well above the national average of 33%.
963
population
0.27
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
20686 ZIP code map
Cities in ZIP code 20686
Below are the cities the US Postal Service accepts for ZIP code 20686. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Saint Marys City | Acceptable |
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 963 |
| Population density | 3,567 / sq mi |
| State FIPS | 24 |
| County FIPS | 037 |
| Geography | |
|---|---|
| Land area | 0.27 sq mi |
| Water area | 1.54 sq mi |
| Latitude | 38.1867 |
| Longitude | -76.4348 |
| 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 | 0.0% | 24.3% | 28.2% |
| $50k – $100k | 69.0% | 27.4% | 28.2% |
| $100k – $200k | 31.0% | 36.2% | 30.1% |
| Over $200k | 0.0% | 12.1% | 13.4% |
Demographics & statistics
963
Population
3,567
People per sq mi
20.2
Median age
$0
Median household income
$3,129
Per capita income
$0
Median home value
$0
Median monthly rent
0.0%
Home ownership
0.0%
Poverty rate
9.0%
Unemployment
0
Housing units
100.0%
Bachelor's or higher
Age distribution
Male
Female
191
15–19
246
227
20–24
290
2
25–34
3
2
45–54
2
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 13 | 1.3% |
| 18 and over | 950 | 98.7% |
| 65 and over | 0 | 0.0% |
| Median age | 20.2 years | |
Race & ethnicity
White
78%
Black or African American
12.1%
Two or more races
4.6%
Asian
3.3%
Hispanic or Latino
1.6%
Other race
0.4%
| Group | Count | % |
|---|---|---|
| White | 764 | 78% |
| Black or African American | 118 | 12.1% |
| Two or more races | 45 | 4.6% |
| Asian | 32 | 3.3% |
| Hispanic or Latino | 16 | 1.6% |
| Other race | 4 | 0.4% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 0.0% | 24.3% | 28.2% |
| $50k – $100k | 69.0% | 27.4% | 28.2% |
| $100k – $200k | 31.0% | 36.2% | 30.1% |
| Over $200k | 0.0% | 12.1% | 13.4% |
Housing
Home values
Housing overview
| Metric | Value |
|---|---|
| Median home value | $0 |
| Median rent / month | $0 |
| Owner occupied | 0.0% |
| Renter occupied | 0.0% |
| Vacant | 0.0% |
| Single-family detached | 0.0% |
| Large apartment buildings | 0.0% |
| Mobile homes | 0.0% |
| Median rooms | 0.0 |
| Avg household size (owned) | 0.00 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 0.0% |
| 2000–2009 | 0.0% |
| 1990–1999 | 0.0% |
| 1980–1989 | 0.0% |
| 1970–1979 | 0.0% |
| 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 | 0.0% |
| 4 bedrooms | 0.0% |
| 5+ bedrooms | 0.0% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 0.0% |
| 1 vehicle | 0.0% |
| 2 vehicles | 0.0% |
| 3 or more | 0.0% |
Heating fuel
| Fuel type | % |
|---|
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 0 | 0.0% |
| Cohabiting couple | 0 | 0.0% |
| Male householder, no spouse | 0 | 0.0% |
| Female householder, no spouse | 0 | 0.0% |
| Households with children under 18 | 0 | 0.0% |
| Households with seniors (65+) | 0 | 0.0% |
| Average household size | 0.00 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 99.1% | 96.7% |
| Married | 0.0% | 3.3% |
| Separated | 0.0% | 0.0% |
| Widowed | 0.0% | 0.0% |
| Divorced | 0.9% | 0.0% |
Education
Less than 9th grade
0.0%
Some HS, no diploma
0.0%
HS graduate
0.0%
Some college, no degree
0.0%
Associate's degree
0.0%
Bachelor's degree
44.4%
Graduate / professional
55.6%
| Metric | % |
|---|---|
| HS diploma or higher | 100.0% |
| Bachelor's or higher | 100.0% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 0 | 0.0% |
| Kindergarten | 0 | 0.0% |
| Elementary school | 0 | 0.0% |
| High school | 0 | 0.0% |
| College / grad school | 958 | 100.0% |
Employment
Industry of employment
Education & healthcare
47.1%
Retail trade
27.3%
Arts, food & hospitality
12.8%
Other services
5.4%
Agriculture & mining
3.7%
Professional & management
2.9%
Transportation & utilities
0.8%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 16.9% |
| Service | 50.4% |
| Sales & office | 24.4% |
| Natural resources & construction | 3.7% |
| Production & transportation | 4.5% |
Employment type
| Type | % |
|---|---|
| Private sector | 69.8% |
| Government | 27.3% |
| Self-employed | 2.9% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 23.9% |
| Carpool | 2.2% |
| Public transit | 0.0% |
| Walk | 56.1% |
| Work from home | 12.2% |
| Other means | 5.6% |
| Avg commute (minutes) | 13.4 |
Poverty
All people
0.0%
Under 18 years
0.0%
18 and over
0.0%
Married-couple families
0.0%
Female-led households
0.0%
Income support
| Source | % of households |
|---|---|
| Social Security | 0.0% |
| Retirement income | 0.0% |
| Supplemental Security | 0.0% |
| Cash public assistance | 0.0% |
| Food stamps / SNAP | 0.0% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 21.4% |
| High blood pressure | 9.6% |
| High cholesterol | 11.0% |
| Diabetes | 1.5% |
| Heart disease | 1.0% |
| Stroke | 0.5% |
| Asthma | 11.1% |
| Arthritis | 4.9% |
| Kidney disease | 0.7% |
| Pulmonary disease | 1.6% |
| Cancer | 1.1% |
| Behavior / access | % |
|---|---|
| Smoking | 8.0% |
| Binge drinking | 21.4% |
| No physical activity | 13.6% |
| Less than 7 hrs sleep | 30.2% |
| Depression | 20.6% |
| Fair or poor health | 5.0% |
| Poor mental health | 19.2% |
| Poor physical health | 3.6% |
| No health insurance | 9.7% |
| Visited doctor (checkup) | 70.4% |
| Visited dentist | 74.4% |
| Cholesterol screening | 78.0% |
| Teeth loss | 11.3% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 7 | 0.7% |
| Disability | % |
|---|---|
| Any disability | 13.8% |
| Under 18 | 0.0% |
| 18–64 years | 14.0% |
| 65 and over | 0.0% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 94.9% |
| Public insurance | 3.7% |
| No insurance | 1.8% |
| Uninsured under 19 | 5.1% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 963 | 100.0% |
| Spanish | 19 | 2.0% |
| Other Indo-European | 4 | 0.4% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 0 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 932 | 96.8% |
| Born in same state | 920 | 95.5% |
| Born in different state | 711 | 73.8% |
| Foreign born | 12 | 1.2% |
| Naturalized citizen | 31 | 3.2% |
| Not a US citizen | 9 | 29.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 165 | 17.1% |
| French | 124 | 12.9% |
| Dutch | 18 | 1.9% |
| Norwegian | 10 | 1% |
| Ancestry | Count | % |
|---|---|---|
| German | 8 | 0.8% |
| Polish | 7 | 0.7% |
| English | 2 | 0.2% |
| Arab | 2 | 0.2% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 0.0% |
| Internet access | 0.0% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 20686
What city is ZIP code 20686 in?
ZIP code 20686 is primarily assigned to Saint Marys City, Maryland.
What county is ZIP code 20686 in?
ZIP code 20686 falls within Saint Marys County, Maryland.
How educated is the population of ZIP code 20686?
100% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
What is the population of ZIP code 20686?
ZIP code 20686 has an estimated population of 963 residents, with a density of 3,554 people per square mile.
What timezone is ZIP code 20686 in?
ZIP code 20686 observes the EST timezone.