PlainZIP

Olney, MD · standard

ZIP Code 20832

Montgomery County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

24,965
957/sq mi
$168,524
Median income
$627,000
Median home value
63.8%
Bachelor's or higher

The verdict

Olney pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 2%
household income, US ZIPs
Top 8%
home value, US ZIPs
957
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20832 against every reporting US ZIP.

ZIP code 20832 is a densely settled ZIP (a standard USPS delivery area) in Olney, Montgomery County, Maryland, with 24,965 residents across 26.1 square miles, a density of 957 people per square mile, in the New York time zone.

ZIP 20832 skews affluent, with a median household income of $168,524 (48% above the Maryland average), while per-capita income is $66,830. Poverty here runs at 4.3%, with unemployment measured at 3.6%. Housing costs here run $627,000 for a typical home value (40% above the state average), with rent averaging $2,453 a month; 86.9% of homes are owner-occupied.

This is a highly-educated ZIP: 63.8% of adults hold a bachelor's degree or higher, the median age is 41, and the average commute is 32 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Montgomery County, letting you compare 20832 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 20832

Top 5 sectors by establishment count in Olney, MD

Which industries have the most business establishments in ZIP 20832.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20832, Olney, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

24,965

Population

26.1

Area (sq mi)

957

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 20832?

41.0

Median Age

49.3%

Male

50.7%

Female

21.2%

Foreign-Born

White 58.3%
African American 12.9%
Asian 11.7%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 13.1%
Hispanic or Latino 12.1%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$168,524

Median Household Income

+48% vs state

$66,830

Per Capita Income

4.3%

Poverty Rate

3.6%

Unemployment Rate

32.0 min

Mean Commute Time

How ZIP 20832 ranks nationally

Olney, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$168,524 Top 2% higher than 98% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). This entry sits in this band. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 76.2%
Bachelor's Degree or Higher 63.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

8,582

Total Housing Units

8,411

Occupied Units

171

Vacant Units

3.01

Avg Household Size

Occupancy Type

Owner 86.9%
Renter 13.1%

$627,000

Median Home Value

+40% vs state

$2,453

Median Rent

1986

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+2.6%

YoY Change (2024)

262

HPI Index (2000 = 100)

+162%

Total Change Since 2000

Home values in ZIP 20832 have increased 2.6% over the past year (2024). Since 2000, this ZIP has seen +162% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.3% 206
2021 +7.0% 220
2022 +16.1% 256
2023 +0.1% 256
2024 +2.6% 262

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 552 business establishments in ZIP 20832, employing approximately 7,316 people with a combined annual payroll of $408,187,000.

552

Businesses

7,316

Employees

$408.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 110 19.9%
Professional, scientific, and technical services 98 17.8%
Construction 53 9.6%
Accommodation and food services 51 9.2%
Other services (except public administration) 49 8.9%
Retail trade 41 7.4%
Administrative and support and waste management and remediation services 40 7.3%
Finance and insurance 36 6.5%
Real estate and rental and leasing 19 3.4%
Educational services 16 2.9%
Wholesale trade 11 2.0%
Transportation and warehousing 7 1.3%
Information 7 1.3%
Arts, entertainment, and recreation 6 1.1%
Manufacturing 4 0.7%
Management of companies and enterprises 4 0.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 20832 vs 20860 →

ZIP 20832 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 20832 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 20832 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 20832 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
20860 Sandy Spring, MD 2,396 2.4 mi
20833 Brookeville, MD 7,735 3.8 mi
20853 Rockville, MD 29,673 3.6 mi
20855 Derwood, MD 14,295 3.3 mi
20861 Ashton, MD 1,875 4.0 mi
20906 Silver Spring, MD 64,696 4.5 mi
20862 Brinklow, MD 343 3.6 mi
20880 Washington Grove, MD 450 5.5 mi
20905 Silver Spring, MD 18,044 5.1 mi
20879 Gaithersburg, MD 24,360 5.7 mi

More ZIP Codes in Montgomery County

20906 standard
Silver Spring, MD
Pop: 64,696
20878 standard
Gaithersburg, MD
Pop: 62,446
20874 standard
Germantown, MD
Pop: 57,367
20904 standard
Silver Spring, MD
Pop: 54,612
20854 standard
Potomac, MD
Pop: 49,611
20902 standard
Silver Spring, MD
Pop: 48,841

Related Areas

Montgomery County Olney, MD Maryland

Frequently Asked Questions

What county is ZIP code 20832 in? ▼
ZIP code 20832 (Olney) is located in Montgomery County, Maryland. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-md.
What is the population of ZIP code 20832? ▼
ZIP code 20832 in Olney, MD has a population of 24,965 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20832? ▼
The median household income in ZIP 20832 is $168,524, which is 121% above the national average of $76,288.
What is the average home value in ZIP 20832? ▼
The median home value in ZIP 20832 is $627,000, which is 125% above the national average of $278,155.
What is the demographic makeup of ZIP 20832? ▼
The largest racial group in ZIP 20832 is White at 58.3%. Hispanic or Latino residents make up 12.1% of the population.
How many businesses are in ZIP code 20832? ▼
ZIP code 20832 has 552 business establishments employing approximately 7,316 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20832? ▼
The top industries by establishment count in ZIP 20832 are: Health care and social assistance (110), Professional, scientific, and technical services (98), Construction (53). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 20832? ▼
According to the FHFA House Price Index, home values in ZIP 20832 increased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 162%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 20832? ▼
In ZIP code 20832, 76.2% of residents aged 25+ have a high school diploma or higher, and 63.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 20832? ▼
The mean commute time for workers in ZIP code 20832 is 32.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 20832? ▼
In ZIP code 20832, approximately 86.9% of occupied housing units are owner-occupied and 13.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20832? ▼
The poverty rate in ZIP code 20832 is 4.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.