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ZIP Code 20609

St. Mary's, Maryland

ZCTA 20609

Juniper

ZIP Code 20609 is in the lowest 5% nationally for FEMA risk score. It also sits in the highest 10% nationally for median income. And it sits in the highest 18% nationally for home price against income.

Median Income

$118,102

Higher than 90% of U.S. ZIP codes
Home Price vs Incomeyears of income to buy a typical home

4.81×

Higher than 82% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

18.6

Lower than 95% of U.S. ZIP codes

The boundary of ZIP Code 20609, in St. Mary's, Maryland.

The basics

Total Population

714

Median Age

59.3

Population Density

71.28

Home values & property tax

Median Property Tax

$4,436

Property Tax Rateyearly tax as a share of home value

0.78%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

4.81×

Higher than 82% of U.S. ZIP codes
Median Income

$118,102

Higher than 90% of U.S. ZIP codes

Home prices & appreciation

Pandemic Price Run-Up2019–20 low → 2022–23 peak

24%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

30%

Climate & weather

Summer Avg High (°F)

83.4

Winter Avg Low (°F)

26.5

Avg Temperature (°F)

55.2

Hot Days/yr (>90°F)

15.8

Freezing Days/yr (<32°F)

97.5

Annual Precipitation (in)

46.6

Annual Snowfall (in)

15.1

Flood & disaster risk

Coastal Flood Loss per $1,000

$0.12

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 20609: frequently asked questions

How much is property tax in ZIP Code 20609?
The median annual property tax in ZIP Code 20609 is $4,436, an effective rate of 0.78% of home value.
Is ZIP Code 20609 expensive to live in?
Homes in ZIP Code 20609 cost about 4.81× the median household income, higher than 82% of U.S. ZIP codes.
How many people live in ZIP Code 20609?
ZIP Code 20609 has a population of 714, about 71.28 people per square mile, per the U.S. Census American Community Survey. The median age is 59.3.
What is the weather like in ZIP Code 20609?
ZIP Code 20609 averages 55.2°F year-round, summer highs near 83.4°F, winter lows around 26.5°F (NOAA 1991–2020 normals). It sees about 15.1 inches of snow a year.
Is ZIP Code 20609 at risk of flooding or natural disasters?
ZIP Code 20609's FEMA National Risk Index score is 18.6 (lower than 95% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding. Expected annual loss from flooding is $0.12 per $1,000 of building value.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

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