ZIP Code 20634 — California CDP, MD Demographics & Data

ZIP code 20634 covers California, MD in St. Mary's County with a population of about 6,976.

At a glance, the area shows median age of 32.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

California, MD reads as a military / base-oriented community on US5’s intent model (elevated veteran share (20.4%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 20634 is about $117,431 — about 56% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.3%; unemployment rate near 1.3%; 40.6% of adults with a bachelor’s degree or higher (about 6.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Retail trade, and Professional services; about 14.9% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $334,800 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,481 (about 27% above the U.S. median rent ($1,163)), and owner-occupancy near 68.3% (about 2.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20634 in California, MD, a household would need roughly $92,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,151. That sits below the local median household income ($117,431), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for California CDP, MD as Very Low (composite score 42.6), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (85.1) and wildfire (59.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for California CDP, MD show little to no average snow.

IRS migration statistics show a net inflow of about 410 for ZIP 20634 (California CDP, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.