ZIP Code 20685 — St. Leonard CDP, MD Demographics & Data

ZIP code 20685 covers St. Leonard, MD in Calvert County with a population of about 6,481.

At a glance, the area shows median age of 45.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 410, 443, 667; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 20685 is about $122,059 — about 62% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.5%; unemployment rate near 1.0%; 23.6% of adults with a bachelor’s degree or higher (about 10.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Professional services, and Public administration; about 17.6% of workers reporting work-from-home (about 2.4 points above 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 $431,200 — about 24% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,408 (about 21% above the U.S. median rent ($1,163)), and owner-occupancy near 94.5% (about 29.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20685 in St. Leonard, 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 $2,770. That is roughly in line with the local median household income ($122,059). 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 St. Leonard CDP, MD as Very Low (composite score 28.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (81.7) and wildfire (52.6). 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 St. Leonard CDP, MD show little to no average snow.

IRS migration statistics show a net inflow of about 381 for ZIP 20685 (St. Leonard 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.