ZIP Code 20778 — Shady Side CDP, MD Demographics & Data

ZIP code 20778 covers Shady Side, MD in Anne Arundel County with a population of about 2,243.

At a glance, the area shows median age of 47.4 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 BALTIMORE media market.

Shady Side, MD ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$177,083)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 20778 is about $177,083 — about 136% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.8%; unemployment rate near 3.2%; 43.8% of adults with a bachelor’s degree or higher (about 10.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Professional services, and Healthcare; about 27.9% of workers reporting work-from-home (about 12.7 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 $718,100 — about 106% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 98.2% (about 32.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20778 in Shady Side, MD, a household would need roughly $198,000 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 $4,613. That is roughly in line with the local median household income ($177,083). 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 Shady Side CDP, MD as Relatively Moderate (composite score 81.9), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (87.2) and flood (80.9). 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 Shady Side CDP, MD show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 132 for ZIP 20778 (Shady Side 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.