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Maryland ZIP Codes
Calvert County
Sunderland, MD
20689
20689 ZIP Code — Sunderland, MD
Calvert County, Maryland
ZIP code 20689 is located in
Sunderland ,
Maryland ,
within Calvert County .
It covers approximately 7.71 square miles and serves a population of
1,884 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 240 .
About ZIP code 20689
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $430,300. Owner-occupancy is high at 89%, well above the national average.
Median household income is $174,750. The poverty rate of 4% is below the national average. 31% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 43 minutes suggests many residents work outside the immediate area.
Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 17% of civilians, above the national average of 7%.
Overall, ZIP code 20689 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.
20689 ZIP code map
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Cities in ZIP code 20689
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Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
1,884
Population density
244 / sq mi
State FIPS
24
County FIPS
009
Geography
Land area
7.71 sq mi
Water area
0.02 sq mi
Latitude
38.6632
Longitude
-76.5861
Timezone
Eastern (ET)
Area code
240
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
9.6%
17.9%
28.2%
$50k – $100k
25.9%
25.0%
28.2%
$100k – $200k
36.8%
39.4%
30.1%
Over $200k
27.7%
17.7%
13.4%
Demographics & statistics
$174,750
Median household income
$430,300
Median home value
32.8%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 383 20.3% 18 and over 1,501 79.7% 65 and over 252 13.4% Median age 47.6 years
Race & ethnicity
Black or African American
20%
Group Count % White 1,472 77.1% Black or African American 382 20% Hispanic or Latino 25 1.3% Two or more races 20 1% Other race 10 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
9.6%
17.9%
28.2%
$50k – $100k
25.9%
25.0%
28.2%
$100k – $200k
36.8%
39.4%
30.1%
Over $200k
27.7%
17.7%
13.4%
Range % of households Under $10k 7.0% $50k–$75k 7.2% $75k–$100k 18.9% $100k–$150k 9.1% $150k–$200k 12.4% $200k+ 45.4% Median income $174,750
Housing
Housing overview
Metric Value Median home value $430,300 Median rent / month $0 Owner occupied 89.2% Renter occupied 10.8% Vacant 3.5% Single-family detached 91.7% Large apartment buildings 0.0% Mobile homes 5.0% Median rooms 7.9 Avg household size (owned) 3.09
Year built
Era % 2020 or later 0.0% 2010–2019 6.8% 2000–2009 13.3% 1990–1999 6.5% 1980–1989 29.4% 1970–1979 22.6% 1960–1969 4.5% 1950–1959 0.0% 1940–1949 0.0% 1939 or earlier 17.1%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 0.0% 2 bedrooms 1.3% 3 bedrooms 37.8% 4 bedrooms 44.3% 5+ bedrooms 16.6%
Vehicles per household
Vehicles % of households No vehicle 5.2% 1 vehicle 6.9% 2 vehicles 26.5% 3 or more 61.5%
Heating fuel
Fuel type % Utility gas 12.7% Electricity 71.0% Propane / LP gas 5.2% Fuel oil 8.9%
Households & families
Household type Count % Married-couple family 407 69.9% Cohabiting couple 6 1.0% Male householder, no spouse 44 7.6% Female householder, no spouse 125 21.5% Households with children under 18 217 37.3% Households with seniors (65+) 174 29.9% Average household size 3.24
Marital status
Status Male Female Never married 27.6% 21.6% Married 59.9% 61.5% Separated 3.2% 3.9% Widowed 0.0% 9.5% Divorced 9.4% 3.5%
Education
Some college, no degree
28.3%
Graduate / professional
19.3%
Metric % HS diploma or higher 97.7% Bachelor's or higher 32.8%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 59 12.7% Kindergarten 11 2.4% Elementary school 127 27.4% High school 188 40.5% College / grad school 79 17.0%
Employment
Industry of employment
Education & healthcare
21.5%
Transportation & utilities
15.1%
Public administration
14.8%
Finance & real estate
10.6%
Arts, food & hospitality
10.0%
Professional & management
6.0%
Agriculture & mining
0.9%
Occupation
Category % Management, business & arts 48.3% Service 16.0% Sales & office 8.5% Natural resources & construction 7.7% Production & transportation 19.5%
Employment type
Type % Private sector 71.1% Government 27.0% Self-employed 1.8% Unpaid family workers 0.0%
Commute
Method % Drive alone 81.6% Carpool 8.8% Public transit 0.5% Walk 0.0% Work from home 8.2% Other means 0.9% Avg commute (minutes) 43.4
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 31.4% Retirement income 36.6% Supplemental Security 5.7% Cash public assistance 0.0% Food stamps / SNAP 10.8%
Health indicators
Condition % Obesity 36.2% High blood pressure 34.1% High cholesterol 34.5% Diabetes 10.1% Heart disease 4.9% Stroke 2.7% Asthma 9.8% Arthritis 26.2% Kidney disease 2.5% Pulmonary disease 5.0% Cancer 6.5%
Behavior / access % Smoking 13.4% Binge drinking 14.5% No physical activity 19.0% Less than 7 hrs sleep 36.2% Depression 17.3% Fair or poor health 10.5% Poor mental health 12.9% Poor physical health 7.5% No health insurance 8.8% Visited doctor (checkup) 77.1% Visited dentist 71.8% Cholesterol screening 93.6% Teeth loss 9.0%
Veterans & disability
Veterans Count % Civilian veterans 248 17.1%
Disability % Any disability 9.3% Under 18 1.6% 18–64 years 8.5% 65 and over 24.6%
Health insurance coverage
Type % Private insurance 80.0% Public insurance 31.3% No insurance 0.7% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 1,799 95.5% Spanish 27 1.5% Other Indo-European 27 1.5% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 1,884 100.0% Born in same state 1,884 100.0% Born in different state 1,226 65.1% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % French 280 14.9% Italian 274 14.5% German 67 3.6%
Ancestry Count % Arab 60 3.2% English 23 1.2% Polish 7 0.4%
Technology access
Metric % of households Computer access 30.9% Internet access 94.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 20689
What city is ZIP code 20689 in?
ZIP code 20689 is primarily assigned to Sunderland, Maryland.
What county is ZIP code 20689 in?
ZIP code 20689 falls within Calvert County, Maryland.
Is ZIP code 20689 mostly owner-occupied?
89% of occupied units in ZIP code 20689 are owner-occupied, well above the national average.
Does ZIP code 20689 have a large veteran population?
17% of civilians in ZIP code 20689 are veterans, above the national average of ~7%.
What is the median household income in ZIP code 20689?
The median household income in ZIP code 20689 is $174,750, above the national median of ~$75,000.
What is the typical home value in ZIP code 20689?
The median home value in ZIP code 20689 is $430,300.
What timezone is ZIP code 20689 in?
ZIP code 20689 observes the EST timezone.
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