ZIP Code Tabulation Area · Maryland

ZIP Code 20645: Charles County, MD

ZIP Code 20645 (Charles County, Maryland) has an estimated 814 residents in 298 households. The median household income is $191,429, the median home value is $531,500 and the median gross rent is —. Figures are U.S. Census Bureau American Community Survey 2020–2024 5-year estimates for the matching ZIP Code Tabulation Area.

American Community Survey 2020–2024 5-year estimates · Updated

Some estimates have a large margin of error. 3 figures for this ZIP (bachelor's or higher, commute, work from home) are marked with *. ACS figures come from a sample, and small areas have fewer responses, so treat these numbers as rough ranges.

Total population

814

Margin of error ±314

Median household income

$191,429

Margin of error ±$93,836

Median home value

$531,500

Margin of error ±$83,515

Median gross rent

—

Margin of error not available

Median age

50.9 yrs

Margin of error ±11.8 yrs

Mean travel time to work

43.8 min*

Margin of error ±38.1 min· estimate has a large margin of error

How ZIP 20645 compares with Maryland and the U.S.

State and national figures are the Census Bureau's own estimates for those areas from the same ACS release, not averages of ZIP codes.

Median age

ZIP 2064550.9 yrsMaryland39.4 yrsUnited States38.9 yrs

Median household income

ZIP 20645$191,429Maryland$103,678United States$80,734

Per capita income

ZIP 20645$85,918Maryland$52,979United States$44,673

Poverty rate

ZIP 206450.0%Maryland9.4%United States12.5%

Unemployment rate

ZIP 206450.0%Maryland4.9%United States5.2%

Bachelor's degree or higher

ZIP 2064546.1%*Maryland43.4%United States35.7%

Median home value

ZIP 20645$531,500Maryland$419,900United States$332,700

Median gross rent

ZIP 20645—Maryland$1,705/moUnited States$1,413/mo

Owner-occupied homes

ZIP 2064596.3%Maryland67.6%United States65.2%

Mean travel time to work

ZIP 2064543.8 min*Maryland31.1 minUnited States26.4 min

Worked from home

ZIP 2064532.7%*Maryland19.3%United States15.1%

All figures for ZIP 20645

Each estimate has a 90% margin of error: the true value is likely within that range. * marks estimates with a large margin of error (a coefficient of variation above 30%, or ±10 percentage points or more for rates).

ZIP 20645 — ACS 2020–2024 5-year estimates
MeasureZIP 20645Margin of errorMarylandUnited States
Total population814±3146,206,011334,922,499
Median age50.9 yrs±11.8 yrs39.4 yrs38.9 yrs
Households298±832,362,928129,227,496
Median household income$191,429±$93,836$103,678$80,734
Per capita income$85,918±$34,325$52,979$44,673
Poverty rate0.0%±1.7 pts9.4%12.5%
Unemployment rate0.0%±4.2 pts4.9%5.2%
Bachelor's degree or higher46.1%*±15.4 pts43.4%35.7%
Median home value$531,500±$83,515$419,900$332,700
Median gross rent——$1,705/mo$1,413/mo
Owner-occupied homes96.3%±6.1 pts67.6%65.2%
Mean travel time to work43.8 min*±38.1 min31.1 min26.4 min
Worked from home32.7%*±15.8 pts19.3%15.1%

Race and Hispanic or Latino origin

Shares of the total population by the Census Bureau's race and Hispanic or Latino origin categories (table B03002), listed in the Census Bureau's order. People self-identify on the survey.

Population by race and Hispanic or Latino origin, ZIP 20645
GroupZIP 20645MarylandUnited States
White alone, not Hispanic or Latino85.1%46.6%57.4%
Black or African American alone, not Hispanic or Latino0.9%28.9%11.9%
American Indian and Alaska Native alone, not Hispanic or Latino0.2%0.1%0.5%
Asian alone, not Hispanic or Latino0.0%6.5%5.9%
Native Hawaiian and Other Pacific Islander alone, not Hispanic or Latino0.0%0.0%0.2%
Some other race alone, not Hispanic or Latino0.0%0.7%0.6%
Two or more races, not Hispanic or Latino13.8%4.6%4.3%
Hispanic or Latino (of any race)0.0%12.5%19.3%

Where ZIP 20645 is

State
Maryland
Main county
Charles County
Land area
1.38 sq mi· about 590 people per sq mi

County and place names come from the Census Bureau's 2020 ZCTA relationship files. A ZIP code's mailing city, set by the U.S. Postal Service, can differ from these names.

Other ZIP codes in Charles County

20601 Waldorf, MD20602 Waldorf, MD20603 Bensville, MD20611 Charles County, MD20612 Benedict, MD20616 Bryans Road, MD20617 Bryantown, MD20622 Charles County, MD20625 Cobb Island, MD20632 Charles County, MD20637 Hughesville, MD20640 Charles County, MD20646 Charles County, MD20658 Charles County, MD20662 Charles County, MD20664 Charles County, MD20675 Pomfret, MD20677 Charles County, MD20693 Charles County, MD20695 Waldorf, MD

See every ZIP code in Maryland, or compare ZIP 20645 with another ZIP code.

Census figures describe residents as a group and cannot tell you about any one home or street. For a specific address, check local government and housing records.

About ZIP codes and ZCTAs: the Census Bureau publishes statistics for ZIP Code Tabulation Areas, which approximate USPS ZIP code delivery areas. Learn how they differ.

Sources

  • U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, detailed tables B01003, B01002, B11001, B19013, B19301, B17001, B23025, B15003, B25077, B25064, B25003, B08013, B08303, B08301, B03002 — snapshot Oct 26, 2026.
  • U.S. Census Bureau, 2020 ZCTA5 relationship files (county and place).
  • Data: U.S. Census Bureau, American Community Survey 5-year estimates (detailed tables) and 2020 Census ZCTA relationship files. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau. These agencies do not endorse OpenZIP.