| City: | Saint Marys City, Maryland |
| City Alias: | Saint Marys, St Marys City |
| County: | Saint Marys County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 2:14:46 AM |
| Population: | 977 [See All] |
| Area Codes: | 227 / 240 / 301 |
| Classification: | PO Box |
| Coordinates: | 38.1867, -76.4348 |
| Land Area: | 0.271 sq mi |
| Quick Link: |
The post office at 20686 serves a population that's 95% students and faculty living in group quarters. Of the 977 residents, 932 live in non-institutionalized group housing like dormitories and campus apartments. That creates a population-to-household ratio of 244:1, meaning for every traditional household, there are 244 people living in institutional settings. The median age is 20.6 years old.
Mail delivery here works differently than in residential neighborhoods. The postal service maintains records for Campus Way and Point Lookout Road, the main arteries through campus, plus East Fisher Road and Horaderi. But with only four occupied traditional households in the entire ZIP code, most mail goes to campus buildings or the 123 PO Boxes at the post office. One named building appears in postal records: the Postmaster facility itself.
The PO Box adoption rate of 30.75 tells an unusual story. There aren't 30 times more boxes than households because residents need them. Instead, the number reflects how the postal service categorizes a university campus where building-based delivery is the norm. Students pick up packages at campus mail centers, faculty retrieve correspondence from department mailrooms, and administrative offices maintain their own postal addresses. The 123 PO Boxes serve departments, organizations, and off-campus affiliates rather than indicating a lack of delivery infrastructure.
Saint Marys City operates as Maryland's public honors college, a residential liberal arts institution on the site of Maryland's colonial capital. The waterfront location on the St. Mary's River explains the low land area and high water area in the ZIP code's geography. Campus employment shows 15 businesses and 72 employees in the area, reflecting the college's role as the primary economic entity.
Street names reflect the academic setting, with Campus Way serving as the main campus artery and Point Lookout Road connecting to the historic waterfront. The limited street diversity (only four street names) confirms this is a self-contained institutional community rather than a traditional town.
ZIP Code 20686 has 977 residents and 4 households (average 11.25 persons per household). The median age is 20.6 years, significantly younger than the state (38.8) and significantly younger than the nation (38.8). The gender split is 38.6% male and 61.4% female, which is much lower than the national male share (49.1%), making this a female-majority area. Largest groups are White (73.9%, much higher than the state average of 48.7% and well above the national average of 61.6%) and Black or African American (13.5%, much lower than the state average of 29.5%); Hispanic or Latino residents make up 7.8%, which is much lower than the national average (18.7%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 977Source: Census DHC |
| 2024 ACS Population Estimate: | 949Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 3,605.2 people per sq mile |
| Average Income: | $0Source: Census ACS |
| Households: | 4Source: Census DHC |
| Average House Value: | $0Source: Census ACS |
| Persons Per Household: | 11.25Source: Census DHC |
| Average Family Size: | 10.25Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 1,098 | 754 | 933 | 1,020 | 1,720 | 1,583 | 1,532 | 1,471 | 1,775 | 1,639 | 1,135 | 963 | 949 |
| Decennial Census | 1,332 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 977 | -- | -- | -- |
Median Age: 20.6
Male Median Age: 20.5
Female Median Age: 20.7
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 2 | 3 | 1 | 135 | 227 | 3 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 |
| Female | 0 | 1 | 1 | 216 | 350 | 7 | 6 | 2 | 3 | 3 | 0 | 3 | 1 | 5 | 1 | 0 | 1 | 0 |
| Total | 2 | 4 | 2 | 351 | 577 | 10 | 7 | 3 | 3 | 4 | 0 | 3 | 1 | 5 | 4 | 0 | 1 | 0 |
| White: | 722 | 71.84% |
| Black: | 132 | 13.13% |
| Hispanic:* | 76 | 7.56% |
| Asian: | 45 | 4.48% |
| American Indian: | 5 | 0.50% |
| Hawaiian: | 2 | 0.20% |
| Other: | 23 | 2.29% |
| Total: | 1,005 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 377 | 38.59% | 20.5 years |
| Females: | 600 | 61.41% | 20.7 years |
| Total: | 977 | 100% | 20.6 years |
| Native, born in the United States: | 889 | 93.68% |
| Native, born in PR, Island Areas, or abroad: | 26 | 2.74% |
| Foreign born, naturalized U.S. citizen: | 18 | 1.90% |
| Foreign born, not a U.S. citizen: | 16 | 3.58% |
| Total Population: | 949 | 100% |
| Total Native Population: | 915 | 96.42% |
| Total Foreign-born Population: | 34 | 3.58% |
In 2023, the Median household income is $0, which is far less than the state median ($101,652), is down $250,001 (100.0%) since 2011 and below its 2019 pre-pandemic level by $79,475. Family households earn a median of $0 versus $0 for nonfamily households (a difference of $0). By gender, male median income is $0 and female is $0, which is well under the state female median ($68,044), with a current gap of $0 that has narrowed from 2011 to 2023. The labor-force participation rate is 37.7%, which is much lower than the state rate (67.2%). The unemployment rate is 5.9%, which is well above the state rate (4.9%). The largest occupation group is Service (40.4%).
Explore More: Income Over Time Household Income Employment Status By Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $250,001 | $250,001 | $0 | $0 | $0 | $0 | $0 | $0 | $79,475 | $0 | $0 | $0 | $0 |
| Median Family Income | $250,001 | $250,001 | $0 | $0 | $0 | $0 | $0 | $0 | $79,475 | $0 | $0 | $0 | $0 |
| Median NonFamily Income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Median Male Income | $143,021 | $146,193 | $0 | $0 | $0 | $0 | $0 | $2,499 | $38,347 | $0 | $2,499 | $2,499 | $0 |
| Median Female Income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Employed: | 337 | 35.51% |
| Unemployed: | 21 | 2.21% |
| Not In Labor Force: | 591 | 62.28% |
| Total: | 949 | 100% |
| Management, business, science, and arts: | 123 | 36.50% |
| Service: | 136 | 40.36% |
| Sales and Office: | 61 | 18.10% |
| Natural resources, construction, and maintenance: | 7 | 2.08% |
| Production, transportation, and material moving: | 10 | 2.97% |
| Total Civilian Employed Population: | 337 | 100% |
In 2023, the median home value is $0, which is considerably lower than the state median ($397,700), is down $1,000,001 (100.00%) since 2011 and above its 2019 pre-pandemic level by $0. The median gross rent is $0, which is far less than the state median ($1,662), and above its 2019 pre-pandemic level by $0. Insufficient data for owner/renter mix. Insufficient data for vacancy rate.
Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $1,000,001 | $1,000,001 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Less than $500: | 0 | 0% |
| $500 to $999: | 0 | 0% |
| $1,000 to $1,499: | 0 | 0% |
| $1,500 to $1,999: | 0 | 0% |
| $2,000 to $2,499: | 0 | 0% |
| $2,500 to $2,999: | 0 | 0% |
| $3,000 or more: | 0 | 0% |
| No Rent: | 0 | 0% |
| Total: | 0 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Owner Occupied (with mortgage): | 0 | 0% |
| Owner Occupied (free and clear, no mortgage): | 0 | 0% |
| Renter Occupied: | 0 | 0% |
| Total Occupied Housing Units: | 0 | 100% |
| Occupied Housing Units: | 0 | 0% |
| Vacant Housing Units (not graphed): | 0 | 0% |
| Total Housing Units: | 0 | 100% |
| Single-Family Units: | 0 | 0% |
| Multi-Family Units: | 0 | 0% |
| Other Units: | 0 | 0% |
| Total Housing Units: | 0 | 100% |
In 2023, 100.00% of adults (25+) have a bachelor's degree or higher, which is comparable to the national rate (35.00%). High school or higher is 100.00%, which is comparable to the national rate (89.40%). The uninsured rate is 1.60%, which is far lower than the national rate (8.60%). Private coverage is 96.70%, which is well above the national rate (67.30%). Public coverage is 2.10%, which is far lower than the national rate (36.30%). Insufficient data for poverty. Among residents ages 3+, the largest enrollment group is college (100.00%). College enrollment is 100.00%, which is far higher than the national rate (26.70%), indicating the community is likely a college hub with student-driven housing and services.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 0 | 0.00% |
| 9th to 12th grade, no diploma: | 0 | 0.00% |
| High school graduate (includes equivalency): | 0 | 0.00% |
| Some college, no degree: | 0 | 0.00% |
| Associate's degree: | 0 | 0.00% |
| Bachelor's degree: | 3 | 42.86% |
| Graduate or professional degree: | 4 | 57.14% |
| Total: | 7 | 100% |
| High school or higher: | 7 | 100.00% |
| Bachelor's degree or higher: | 7 | 100.00% |
| Private Insurance: | 918 | 96.33% |
| Public Insurance: | 20 | 2.10% |
| No Insurance: | 15 | 1.57% |
| Total: | 953 | 100% |
| Has Health Insurance: | 938 | 98.43% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 0 | 0.00% |
| Kindergarten: | 0 | 0.00% |
| Elementary school (grades 1-8): | 0 | 0.00% |
| High school (grades 9-12): | 0 | 0.00% |
| College or graduate school: | 945 | 100.00% |
| Total: | 945 | 100% |
| Early Childhood: | 0 | 0.00% |
| K-12 (Primary & Secondary School): | 0 | 0.00% |
ZIP Code 20686 supports both business and residential activity. According to the Business Census (2024), there are 6 business establishments, employing about 72 people with an annual payroll of $1,680,000. USPS data shows 0 residential mailboxes and 1 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 1Source: USPS |
| Total Delivery Receptacles: | 134Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 6Source: CBP |
| 1st Quarter Payroll: | $517,000Source: CBP |
| Annual Payroll: | $1,680,000Source: CBP |
| # of Employees: | 72Source: CBP |
ZIP Code 20686 is located in Saint Marys County, Maryland, within the Lexington Park, MD Metropolitan Statistical Area (CBSA 30500) and Maryland's 5th Congressional District. This Metro area has a population of 208,163 people, about 0.47% of whom live in ZIP Code 20686. It covers 0.271 sq mi of land and a water area of 1.537 sq mi.
| CBSA Name: | Lexington Park, MDSource: Census |
| CBSA Number: | 30500Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 208,163Source: Census |
| MSA: | Source: Census |
| Land Area: | 0.271 sq miSource: Census |
| Water Area: | 1.537 sq miSource: Census |
| Congressional District: | 05Source: USPS |
| Congressional Land Area: | 1481.24 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | --Source: Census |
| Place Name: | --Source: Census |
We could not locate which school district 20686 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on January 1, 2026.