20695 ZIP Code — White Plains, MD

Charles County, Maryland

ZIP code 20695 is located in White Plains, Maryland, within Charles County. It covers approximately 14.39 square miles and serves a population of 11,455 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 301.

About ZIP code 20695

The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $407,500. Owner-occupancy is high at 84%, well above the national average.

Median household income is $121,528. The poverty rate of 5% is below the national average.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. An above-average commute of 47 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 32% 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 20695 reflects a community defined by a strong veteran community and high homeownership.

11,455

population

14.39

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

20695 ZIP code map

Cities in ZIP code 20695

Below are the cities the US Postal Service accepts for ZIP code 20695. Using any city not on this list may result in mail delivery delays.

City	Status
White Plains	Preferred

Nearby ZIP codes

20675 Pomfret (1.9 mi) 20603 Waldorf (2.9 mi) 20602 Waldorf (4.2 mi) 20646 La Plata (5.3 mi) 20607 Accokeek (5.4 mi) 20601 Waldorf (6.1 mi) 20617 Bryantown (6.9 mi) 20677 Port Tobacco (7.1 mi) 20616 Bryans Road (7.9 mi) 20611 Bel Alton (8.1 mi) 20658 Marbury (9.8 mi) 20613 Brandywine (9.9 mi)

Demographics updated 05/2026

Population
Total population	11,455
Population density	796 / sq mi
State FIPS	24
County FIPS	017

Geography
Land area	14.39 sq mi
Water area	0.05 sq mi
Latitude	38.5843
Longitude	-76.9767
Timezone	Eastern (ET)
Area code	301

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.2%	20.2%	28.2%
$50k – $100k	23.9%	28.0%	28.2%
$100k – $200k	38.0%	38.4%	30.1%
Over $200k	14.9%	13.4%	13.4%

Demographics & statistics

11,455

Population

796

People per sq mi

40.2

Median age

$121,528

Median household income

$52,374

Per capita income

$407,500

Median home value

$1,989

Median monthly rent

83.6%

Home ownership

4.8%

Poverty rate

4.6%

Unemployment

3,611

Housing units

32.4%

Bachelor's or higher

Age distribution

Male Female

454

Under 5

425

307

5–9

288

322

10–14

302

387

15–19

363

291

20–24

272

744

25–34

697

793

35–44

744

891

45–54

836

342

55–59

321

541

60–64

507

459

65–74

431

325

75–84

304

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,544	22.2%
18 and over	8,911	77.8%
65 and over	1,628	14.2%
Median age	40.2 years

Race & ethnicity

Black or African American 54.8%

White 27.6%

Two or more races 7.5%

Hispanic or Latino 4.7%

Other race 2.9%

Asian 2.5%

Group	Count	%
Black or African American	6,592	54.8%
White	3,313	27.6%
Two or more races	906	7.5%
Hispanic or Latino	567	4.7%
Other race	345	2.9%
Asian	299	2.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.2%	20.2%	28.2%
$50k – $100k	23.9%	28.0%	28.2%
$100k – $200k	38.0%	38.4%	30.1%
Over $200k	14.9%	13.4%	13.4%

Under $10k 2.4%

$10k–$15k 0.4%

$15k–$25k 2.2%

$25k–$35k 5.6%

$35k–$50k 8.2%

$50k–$75k 12.9%

$75k–$100k 8.1%

$100k–$150k 20.6%

$150k–$200k 16.5%

$200k+ 23.1%

Range	% of households
Under $10k	2.4%
$10k–$15k	0.4%
$15k–$25k	2.2%
$25k–$35k	5.6%
$35k–$50k	8.2%
$50k–$75k	12.9%
$75k–$100k	8.1%
$100k–$150k	20.6%
$150k–$200k	16.5%
$200k+	23.1%
Median income	$121,528

Housing

Home values

Under $50k 3.7%

$50k–$100k 0.9%

$100k–$150k 0.2%

$150k–$200k 0.7%

$200k–$300k 9.4%

$300k–$500k 66.2%

$500k–$1M 18.9%

Housing overview

Metric	Value
Median home value	$407,500
Median rent / month	$1,989
Owner occupied	83.6%
Renter occupied	16.4%
Vacant	3.6%
Single-family detached	64.7%
Large apartment buildings	9.7%
Mobile homes	4.7%
Median rooms	7.5
Avg household size (owned)	2.92

Year built

Era	%
2020 or later	3.0%
2010–2019	31.3%
2000–2009	33.9%
1990–1999	12.7%
1980–1989	6.3%
1970–1979	5.3%
1960–1969	5.0%
1950–1959	0.6%
1940–1949	1.1%
1939 or earlier	0.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.4%
1 bedroom	2.9%
2 bedrooms	14.5%
3 bedrooms	30.2%
4 bedrooms	40.6%
5+ bedrooms	10.5%

Vehicles per household

Vehicles	% of households
No vehicle	2.1%
1 vehicle	32.0%
2 vehicles	40.3%
3 or more	25.6%

Heating fuel

Fuel type	%
Utility gas	55.1%
Electricity	32.1%
Propane / LP gas	2.9%
Fuel oil	8.5%
Wood	0.3%
Solar	0.9%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	2,269	54.9%
Cohabiting couple	135	3.3%
Male householder, no spouse	613	14.8%
Female householder, no spouse	1,114	27.0%
Households with children under 18	1,434	34.7%
Households with seniors (65+)	1,305	31.6%
Average household size	2.76

Marital status

Status	Male	Female
Never married	32.8%	27.5%
Married	54.8%	49.9%
Separated	2.4%	1.8%
Widowed	1.1%	9.4%
Divorced	8.8%	11.5%

Education

Less than 9th grade 2.2%

Some HS, no diploma 2.6%

HS graduate 31.0%

Some college, no degree 24.2%

Associate's degree 7.6%

Bachelor's degree 21.3%

Graduate / professional 11.1%

Metric	%
HS diploma or higher	95.2%
Bachelor's or higher	32.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	59	2.3%
Kindergarten	179	6.8%
Elementary school	971	37.1%
High school	755	28.8%
College / grad school	656	25.0%

Employment

Industry of employment

Public administration 23.5%

Education & healthcare 20.4%

Professional & management 14.5%

Arts, food & hospitality 9.3%

Construction 7.0%

Transportation & utilities 6.5%

Retail trade 5.9%

Finance & real estate 5.9%

Other services 4.9%

Wholesale trade 1.3%

Manufacturing 0.4%

Agriculture & mining 0.2%

Information 0.2%

Occupation

Category	%
Management, business & arts	53.1%
Service	12.4%
Sales & office	18.5%
Natural resources & construction	7.4%
Production & transportation	8.6%

Employment type

Type	%
Private sector	54.4%
Government	42.0%
Self-employed	3.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	67.5%
Carpool	9.7%
Public transit	5.4%
Walk	0.0%
Work from home	15.7%
Other means	1.6%
Avg commute (minutes)	47.2

Poverty

All people 4.8%

Under 18 years 5.9%

18 and over 4.5%

Married-couple families 1.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	24.7%
Retirement income	34.8%
Supplemental Security	4.6%
Cash public assistance	2.7%
Food stamps / SNAP	6.3%

Health indicators

Condition	%
Obesity	39.0%
High blood pressure	37.0%
High cholesterol	33.8%
Diabetes	10.6%
Heart disease	4.8%
Stroke	2.6%
Asthma	10.1%
Arthritis	23.2%
Kidney disease	2.5%
Pulmonary disease	4.9%
Cancer	5.9%

Behavior / access	%
Smoking	14.6%
Binge drinking	13.4%
No physical activity	22.0%
Less than 7 hrs sleep	38.2%
Depression	16.2%
Fair or poor health	10.9%
Poor mental health	13.4%
Poor physical health	7.5%
No health insurance	9.6%
Visited doctor (checkup)	80.3%
Visited dentist	67.3%
Cholesterol screening	93.5%
Teeth loss	9.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,281	14.5%

Disability	%
Any disability	11.5%
Under 18	7.7%
18–64 years	9.3%
65 and over	27.4%

Health insurance coverage

Type	%
Private insurance	86.7%
Public insurance	31.2%
No insurance	3.5%
Uninsured under 19	2.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,576	92.3%
Spanish	186	1.8%
Other Indo-European	149	1.4%
Asian & Pacific Islander	13	0.1%
Other languages	24	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,511	91.8%
Born in same state	10,491	91.6%
Born in different state	4,468	39.0%
Foreign born	20	0.2%
Naturalized citizen	944	8.2%
Not a US citizen	715	75.7%

Ancestry

Ancestry	Count	%
Italian	742	6.5%
French	589	5.1%
Arab	374	3.3%
English	16	0.1%

Ancestry	Count	%
Dutch	13	0.1%
Polish	12	0.1%
German	9	0.1%

Technology access

Metric	% of households
Computer access	36.1%
Internet access	92.7%

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

Frequently asked questions about ZIP code 20695

What city is ZIP code 20695 in?

ZIP code 20695 is primarily assigned to White Plains, Maryland.

What county is ZIP code 20695 in?

ZIP code 20695 falls within Charles County, Maryland.

Is ZIP code 20695 mostly owner-occupied?

84% of occupied units in ZIP code 20695 are owner-occupied, well above the national average.

Does ZIP code 20695 have a large veteran population?

15% of civilians in ZIP code 20695 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 20695?

The median home value in ZIP code 20695 is $407,500.

What is the median household income in ZIP code 20695?

The median household income in ZIP code 20695 is $121,528, above the national median of ~$75,000.

What timezone is ZIP code 20695 in?

ZIP code 20695 observes the EST timezone.