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ZIP Code · MD

ZIP 20646

Part of La Plata, MD
Pop. 21,400·Charles County·26th most expensive ZIP in Maryland
Median rent (all units)
$2,436/mo
Year-over-Year
Stable
Month-over-Month
-2.1%
vs US Median
+$471
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 20646 · $2,436
More expensive than 77% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,620
1 BR
$1,670
2 BR
$1,860
3 BR
$2,350
4 BR+
$2,760
Research median
$1,860/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$29,232/yr
At $2,436/mo median
Location
StateMD
CountyCharles County
Rent Market Meter
Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are softening (down 0.0% YoY), so renters have negotiating leverage.
Based on rent-price momentum (+0.0% YoY, -2.1% MoM), not inventory.
Demographics

Who lives here

ZIP 20646 (La Plata, MD) is majority owner-occupied, has a median income above the national average, 34.9% of residents hold a bachelor's degree or higher.

Population
21,400
Median income
$131,974
Median age
42.9
Renters
13.5%
Age distribution
21.5%
17.7%
28%
14.8%
18%
Under 1821.5%
18–3417.7%
35–5428%
55–6414.8%
65+18%
Gender
49.6%
50.4%
Male49.6%
Female50.4%
Race & ethnicity
61.6%
24.7%
White61.6%
Black24.7%
Hispanic4.1%
Asian2.9%
Other6.7%
Education (25+)
29%
32.4%
34.9%
No HS diploma3.7%
HS diploma29%
Some college32.4%
Bachelor's+34.9%
Housing tenure
86.5%
13.5%
Owner86.5%
Renter13.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 20646 in La Plata, MD has changed in 5 years

Income
$119,306 → $131,974
up 10.6%
Population
20,608 → 21,400
up 3.8%
Renter share
16.3% → 13.5%
-2.8 pts
Bachelor's+
32.4% → 34.9%
+2.5 pts

Census figures show median household income at $131,974 today, compared with $119,306 five years earlier. The population has grown by 3.8% since 2021, moving from about 20,608 residents to roughly 21,400. Renters now make up 13.5% of households, compared with 16.3% five years ago. College-educated residents now make up 34.9% of adults here, versus 32.4% in 2021.

Community

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Local insights

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About renting in ZIP 20646

Last updated: July 20, 2026

ZIP code 20646 covers La Plata, MD. The median rent here is $2,436/mo as of July 2026. A 1-bedroom rents for a median of $1,670/mo. A 2-bedroom rents for a median of $1,860/mo.

At 22% of local median household income ($131,974/yr), ZIP 20646 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 20646?

As of July 20, 2026, the median monthly rent in ZIP 20646 (La Plata, MD) is $2,436. This is based on aggregated data from public sources and community submissions.

How does ZIP 20646 rent compare to the US average?

ZIP 20646's median rent of $2,436/mo is $471 (24%) above the US national median of $1,965/mo.

How does ZIP 20646 compare to other ZIPs in Maryland?

ZIP 20646 is one of the pricier ZIP codes in Maryland, ranking #26 out of 140 ZIPs tracked at $2,436/mo.

How much income do you need to rent in ZIP 20646?

To keep rent at or below 30% of gross income, you would need to earn at least $97,000/year (~$47/hour full-time) to afford the median rent of $2,436/mo in ZIP 20646. The local median household income is $131,974/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 20646?

Rent in ZIP 20646 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 20646 an affordable place to rent?

ZIP 20646 is considered very affordable for renters. At $2,436/mo, rent takes approximately 22% of the local median household income ($131,974/yr). The standard benchmark is 30%. ZIP 20646 falls comfortably within that range.

What percentage of ZIP 20646 residents rent vs. own?

According to Census data, approximately 13.5% of ZIP 20646 households are renters, while 86.5% are owner-occupied. ZIP 20646 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 20646 compare to the rest of La Plata?

ZIP 20646 sits right at the La Plata citywide median of $2,436/mo.

When was rent data for ZIP 20646 last updated?

Rent data for ZIP 20646 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
22%
VERY AFFORDABLE

At $2,436/mo, rent takes ~22% of ZIP 20646's median household income ($131,974/yr). The standard benchmark is 30%.

ZIP 20646 22%Benchmark 30%
State income tax2–5.75%
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Schools nearby

Public schools near ZIP 20646 (La Plata, MD)

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