20646La Plata, Maryland

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 20646.

68out of 100
Area Score
Top 22% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity4195th of 6,210 ZIP areas measured46
SchoolsTop 48% of 4,422 ZIP areas measured53
Growth2853rd of 5,428 ZIP areas measured49
Housing affordabilityTop 20% of 6,685 ZIP areas measured95
ClimateTop 26% of 6,789 ZIP areas measured76
Physical resilienceTop 9% of 6,709 ZIP areas measured91
Access5330th of 6,791 ZIP areas measured80
Economic stabilityTop 27% of 6,742 ZIP areas measured72
The quick read

Residential permitting has slowed: 93 units authorized over the past twelve months, 66% below the prior year.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 14% of median household income and the median home is 3.4 times it.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 20646 in the top 9% for physical resilience.

At a glance

Population
21,400
2024 ACS 5-Year
Median household income
$131,974
Top 7% nationally
Density
268/sq mi
79.8 sq mi of land
Median age
42.9
2024 ACS 5-Year
City
La Plata
Maryland
Metro area
Washington-Arlington-Alexandria, DC-VA-MD-WV
Nearest major airport
IAD
39 mi · Washington Dulles Intl
Median home value
$450,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.5% is lower than 48% of the 6,544 measured US ZIP areas.

Employment fell 3.0% over the past year, to 82,707 employed residents.

35% of adults hold a four-year degree, higher than 73% of measured US ZIP areas.

Household income is higher than at least 93% of measured US ZIP areas.

MetricValueCompared nationallySource period
Median household income ±$10,208$131,974Top 7%of 31,2952024 ACS 5-Year
Per capita income ±$3,835$55,317Top 14%of 32,8222024 ACS 5-Year
Poverty rate5.6%Bottom 23%of 32,9702024 ACS 5-Year
Average commute41.4 minTop 6%of 32,8872024 ACS 5-Year
Bachelor's degree or higher34.9%Top 27%of 33,1932024 ACS 5-Year
Employment82,707Top 39%of 6,544June 2026
Employment change (3 years)-4.9%Bottom 4%of 6,542June 2026
Employment change (year over year)-3.0%Bottom 9%of 6,544June 2026
Labor force86,587Top 39%of 6,544June 2026
Labor force participation65.4%Top 31%of 33,2522024 ACS 5-Year
Mean annual wage$91,930Top 5%of 6,0722025 OEWS
Median annual wage$71,060Top 6%of 6,0722025 OEWS
Unemployment change (year over year)0.1%Top 48%of 6,544June 2026
Unemployment rate4.5%Top 48%of 6,544June 2026
Median household income, successive ACS releases
2021202220232024132k119k
Each point is a separate five-year estimate, most recently $131,974 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Washington-Arlington-Alexandria, DC-VA-MD-WV
OccupationPeople employedMedian annual wage
General and Operations Managers112,530$156,460
Business Operations Specialists, All Other76,600$104,770
Software Developers69,060$154,930
Retail Salespersons66,920$36,610
Management Analysts62,360$126,830
Fast Food and Counter Workers60,560$34,600

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for La Plata, MD, the city containing this ZIP code.

13% of students met the state standard in mathematics and 27% in reading, across the schools here that reported results.

There are 15.8 students for every full-time teacher, more than in most measured places.

Public schools
6
2024-25 school year
Students per teacher
15.8
across all schools here
Math proficiency
12.7%
Top 49% in Maryland
Reading proficiency
26.5%
Top 41% in Maryland
SchoolDistrictStudentsPer teacherMathReading
La Plata High SchoolCharles County Public Schools1,21716.4
Milton M. Somers Middle SchoolCharles County Public Schools67113.76%27%
Walter J. Mitchell Elementary SchoolCharles County Public Schools66318.419%30%
Mary H. Matula Elementary SchoolCharles County Public Schools61014.514%22%
Phoenix International School of the Arts · charterCharles County Public Schools24316.2
F. B. Gwynn Educational CenterCharles County Public Schools0

36.9% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Maryland’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Prices for everything a household buys run about 10% above the national average, on the Bureau of Economic Analysis index. Housing drives most of that difference.

Median rent of $1,541 takes 14% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.4 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
14.0%
Below the 30% cost-burdened threshold
Home price to income
3.4×
median home value ÷ median income
Median gross rent
$1,541
2024 ACS 5-Year
Median home value
$450,200
2024 ACS 5-Year
MetricValueCompared nationallySource period
Cost of living index109.5Top 22%of 6,0712023
Home price to income3.41Top 41%of 30,4042024 ACS 5-Year
Homeownership rate86.5%Top 28%of 32,9102024 ACS 5-Year
Housing units ±4558,332Top 20%of 33,7722024 ACS 5-Year
Median gross rent ±$207$1,541Top 21%of 26,6182024 ACS 5-Year
Median home value ±$11,468$450,200Top 16%of 30,9412024 ACS 5-Year
Rent as a share of income14.0%Bottom 23%of 26,4702024 ACS 5-Year
Vacancy rate6.9%Bottom 33%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
49/ 100
Ranks 2853 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 8.7 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
93
12 months ending July 2026
Per 1,000 residents
8.7
Top 15% nationally
Year over year
−66%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for La Plata, MD, the city containing this ZIP code.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 88°F and January a low of 28°F.

Normal annual precipitation is 41.0 inches, including 12.4 inches of snow.

Air quality measures a median index of 40, in the Good band, and about 3 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station QUANTICO MCAS, 16.3 miles from this location.
Precipitation
JFMAMJJASOND4.6"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index50.02024 calendar year
Annual precipitation41.0"1991-2020 Normals
Annual snowfall12.4"1991-2020 Normals
Average January low28°F1991-2020 Normals
Average July high88°F1991-2020 Normals
Comfortable months71991-2020 Normals
Days above AQI 10032024 calendar year
Median air quality index40.02024 calendar year
Seasonal temperature swing43°F1991-2020 Normals
Air quality
Median air quality index
40
Good on a typical day
Worst tenth of days
50
90th percentile index
Days above 100
3
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

91 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, strong wind and earthquake.

Overall hazard risk is lower than 77% of measured US ZIP areas.

HurricaneModerate
Strong windModerate
DroughtElevated
EarthquakeModerate
LandslideModerate
Coastal floodingModerate
Cold waveModerate

Low or minimal exposure: heat wave, lightning, winter weather, inland flooding, hail, ice storm, tornado, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences — they say nothing about burglary, theft or assault.

Charles County records 9.9 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 14.5 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 9.9 per 100,000 residents in Charles County.

Homicide
9.9
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
14.5
per 100,000 residents · under 10 deaths
Drug overdose
9.9
per 100,000 residents · under 10 deaths
Suicide
11.6
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Charles County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 20646 rather than 20646 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

4 major airports lie within 100 miles, the nearest 39 miles away.

AirportCodeDistanceLongest runway
Washington Dulles IntlIAD39 mi11,500 ft
Baltimore/Washington Intl Thurgood MarshallBWI49 mi10,503 ft
Richmond IntlRIC72 mi9,003 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023Annually, each December
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

20646 vs La Plata

How this ZIP area compares with La Plata as a whole. Both figures come from the same ACS release, so the comparison is like for like.

20646
La Plata
Median household income
$131,974
vs
$121,208
Per capita income
$55,317
vs
$55,175
Population density
268/sq mi
vs
1,338/sq mi
Median home value
$450,200
vs
$428,400
Median gross rent
$1,541
vs
$1,559
Homeownership rate
86.5%
vs
80.4%
Bachelor's degree or higher
34.9%
vs
35.4%
Poverty rate
5.6%
vs
6.6%
Median age
42.9
vs
41.7

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.