ZIP Code 20664 — Rock Point CDP, MD Demographics & Data

ZIP code 20664 covers Rock Point, MD in Charles County with a population of about 3,121.

At a glance, the area shows median age of 37.8 (near the U.S. median).

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

Median household income in ZIP 20664 is about $82,083 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 4.1%; 21.3% of adults with a bachelor’s degree or higher (about 12.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Public administration, and Education; about 8.4% of workers reporting work-from-home (about 6.8 points below 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 $433,100 — about 24% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,281 (about 10% above the U.S. median rent ($1,163)), and owner-occupancy near 76.7% (about 11.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20664 in Rock Point, MD, a household would need roughly $119,000 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 $2,782. That is about 45% above the local median household income ($82,083), so the median earner would likely stretch or need a larger down payment. 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 Rock Point CDP, MD as Relatively Low (composite score 44.1), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (78.0) and flood (50.6). 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 Rock Point CDP, MD show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 183 for ZIP 20664 (Rock Point 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.