ZIP Code 20690 — Tall Timbers CDP, MD Demographics & Data

ZIP code 20690 covers Tall Timbers, MD in St. Mary's County with a population of about 1,046.

At a glance, the area shows median age of 52.4 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.

Median household income in ZIP 20690 is about $129,236 — about 72% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.3%; unemployment rate near 15.8%; 50.1% of adults with a bachelor’s degree or higher (about 16.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Retail trade; about 12.6% of workers reporting work-from-home (about 2.6 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 $558,900 — about 61% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,240 (about 7% above the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20690 in Tall Timbers, MD, a household would need roughly $154,000 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 $3,590. That is about 19% above the local median household income ($129,236), 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 Tall Timbers 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 Tall Timbers CDP, MD show little to no average snow and around 46.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 61 for ZIP 20690 (Tall Timbers 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.