Germantown, MD · standard
ZIP Code 20874
Montgomery County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 57,367
- 1,040/sq mi High-density area
- $115,022
- Median income Above-median income area
- $399,000
- Median home value Above-median home value
- 48.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Germantown pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated and unusually populous area.
- Top 11%
- household income, US ZIPs
- Top 21%
- home value, US ZIPs
- 1,040
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20874 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 20874 (Germantown, MD) rose +5.5% from 2023 to 2024. The all-transactions index moved from 258.8 in 2023 to 273.1 in 2024 (2000 = 100).
ZIP code 20874 is a densely settled ZIP (a standard USPS delivery area) in Germantown, Montgomery County, Maryland, with 57,367 residents across 55.2 square miles, a density of 1,040 people per square mile, in the New York time zone.
ZIP 20874 skews affluent, with a median household income of $115,022 (1% above the average Maryland ZIP), while per-capita income is $52,219. The poverty rate is 8.3%, with unemployment at 5.1%; those measures add context to the income figure. Median home value is $399,000 (11% below the average Maryland ZIP) and median rent is $1,995; 66.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 48.9% of adults hold a bachelor's degree or higher, the median age is 37.6, and the average commute is 31 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 20874 can be compared with both its immediate and county-level context.
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 20874
Top 5 sectors by establishment count in Germantown, MD
Which industries have the most business establishments in ZIP 20874.
- Professional, scientific, and technical services
Professional, scientific, and technical services
195 establishments
- Health care and social assistance
Health care and social assistance
157 establishments
- Accommodation and food services
Accommodation and food services
94 establishments
- Retail trade
Retail trade
89 establishments
- Other services (except public administration)
Other services (except public administration)
81 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20874, Germantown, 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
57,367
Population
55.2
Area (sq mi)
1,040
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20874?
37.6
Median Age
49.0%
Male
51.0%
Female
37.1%
Foreign-Born
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?
$115,022
Median Household Income
+1% vs state ZIP avg
$52,219
Per Capita Income
8.3%
Poverty Rate
5.1%
Unemployment Rate
30.8 min
Mean Commute Time
How ZIP 20874 ranks nationally
Germantown, MD household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$115,022 Top 11% higher than 89% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
23,124housing units
23,124
Total Housing Units
22,662
Occupied Units
462
Vacant Units
2.77
Avg Household Size
Occupancy Type
$399,000
Median Home Value
-11% vs state ZIP avg
$1,995
Median Rent
1989
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
+5.5%
YoY Change (2024)
273
HPI Index (2000 = 100)
+173%
Total Change Since 2000
Home values in ZIP 20874 have increased 5.5% over the past year (2024). Since 2000, this ZIP has seen +173% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.1% | 198 |
| 2021 | +10.0% | 218 |
| 2022 | +9.7% | 240 |
| 2023 | +8.0% | 259 |
| 2024 | +5.5% | 273 |
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 920 business establishments in ZIP 20874, employing approximately 11,825 people with a combined annual payroll of $885,348,000.
920
Businesses
11,825
Employees
$885.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 195 | 21.2% |
| Health care and social assistance | 157 | 17.1% |
| Accommodation and food services | 94 | 10.2% |
| Retail trade | 89 | 9.7% |
| Other services (except public administration) | 81 | 8.8% |
| Construction | 72 | 7.8% |
| Administrative and support and waste management and remediation services | 51 | 5.5% |
| Finance and insurance | 36 | 3.9% |
| Real estate and rental and leasing | 32 | 3.5% |
| Transportation and warehousing | 24 | 2.6% |
| Educational services | 22 | 2.4% |
| Information | 21 | 2.3% |
| Wholesale trade | 18 | 2.0% |
| Arts, entertainment, and recreation | 14 | 1.5% |
| Manufacturing | 7 | 0.8% |
| Management of companies and enterprises | 5 | 0.5% |
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 20874 vs 20878 →
ZIP 20874 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20878
Gaithersburg (20878)
62,446 residents
- 20874
Germantown (20874)
57,367 residents
- 20877
Gaithersburg (20877)
34,321 residents
- 20886
Montgomery Village (20886)
33,282 residents
- 20876
Germantown (20876)
25,496 residents
- 22066 18,099
Great Falls (22066)
18,099 residents
- 20871 13,130
Clarksburg (20871)
13,130 residents
- 20841 10,460
Boyds (20841)
10,460 residents
- 20837 5,789
Poolesville (20837)
5,789 residents
What this shows Among its immediate neighbors, ZIP 20874 ranks #2 by population - useful context the national average alone can't give.
ZIP 20874 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 22066
Great Falls (22066)
$250,000 median income
- 20841
Boyds (20841)
$184,688 median income
- 20871
Clarksburg (20871)
$177,523 median income
- 20837
Poolesville (20837)
$174,063 median income
- 20878
Gaithersburg (20878)
$144,313 median income
- 20880
Washington Grove (20880)
$134,583 median income
- 20876
Germantown (20876)
$119,731 median income
- 20874
Germantown (20874)
$115,022 median income
- 20886 $98,542
Montgomery Village (20886)
$98,542 median income
What this shows By household income, ZIP 20874 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20878 | Gaithersburg, MD | 62,446 | 2.7 mi |
| 20841 | Boyds, MD | 10,460 | 4.4 mi |
| 20899 | Gaithersburg, MD | 142 | 4.5 mi |
| 20877 | Gaithersburg, MD | 34,321 | 5.9 mi |
| 22066 | Great Falls, VA | 18,099 | 8.3 mi |
| 20837 | Poolesville, MD | 5,789 | 6.0 mi |
| 20880 | Washington Grove, MD | 450 | 6.7 mi |
| 20876 | Germantown, MD | 25,496 | 6.4 mi |
| 20871 | Clarksburg, MD | 13,130 | 9.1 mi |
| 20886 | Montgomery Village, MD | 33,282 | 6.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20874, both outside MD so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (57,367 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 20874 in?
ZIP code 20874 (Germantown) 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 20874?
ZIP code 20874 in Germantown, MD has a population of 57,367 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20874?
The median household income in ZIP 20874 is $115,022, which is 51% above the national average of $76,288.
What is the average home value in ZIP 20874?
The median home value in ZIP 20874 is $399,000, which is 43% above the national average of $278,155.
What is the demographic makeup of ZIP 20874?
The largest racial group in ZIP 20874 is White at 28.7%. Hispanic or Latino residents make up 22.0% of the population.
How many businesses are in ZIP code 20874?
ZIP code 20874 has 920 business establishments employing approximately 11,825 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20874?
The top industries by establishment count in ZIP 20874 are: Professional, scientific, and technical services (195), Health care and social assistance (157), Accommodation and food services (94). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 20874?
According to the FHFA House Price Index, home values in ZIP 20874 increased by 5.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 173%. 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 20874?
In ZIP code 20874, 67.7% of residents aged 25+ have a high school diploma or higher, and 48.9% 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 20874?
The mean commute time for workers in ZIP code 20874 is 30.8 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 20874?
In ZIP code 20874, approximately 66.4% of occupied housing units are owner-occupied and 33.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20874?
The poverty rate in ZIP code 20874 is 8.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 20874's numbers, next.
- See how ZIP 20874 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Germantown, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.