Germantown, MD · standard
ZIP Code 20876
Montgomery County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 25,496
- 843/sq mi
- $119,731
- Median income
- $487,300
- Median home value
- 52.0%
- Bachelor's or higher
The verdict
Germantown pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 10%
- household income, US ZIPs
- Top 14%
- home value, US ZIPs
- 843
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20876 against every reporting US ZIP.
ZIP code 20876 is classified by USPS as a standard delivery area and covers roughly 30.3 square miles in Germantown, Montgomery County, Maryland. The area is home to 25,496 residents, producing a population density of 843 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 20876 against Maryland and the nation.
On the economic side, the median household income for ZIP 20876 sits at $119,731 (5% above the Maryland average), while per-capita income is $47,977. The poverty rate stands at 9.8% and the unemployment rate at 6.5%. On housing, the median home value is $487,300 (9% above the state average) with median rent at $2,109 per month, and 67.4% of occupied units are owner-occupied, a direct signal of whether 20876 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 52.0% of adults hold a bachelor's degree or higher, the median age is 36.8, and the average commute is 31 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 20876 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 20876
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 20876.
- Professional, scientific, and technical services
Professional, scientific, and technical services
134 establishments
- Health care and social assistance
Health care and social assistance
84 establishments
- Retail trade
Retail trade
64 establishments
- Construction 46
Construction
46 establishments
- Accommodation and food services 46
Accommodation and food services
46 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 20876, Germantown, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
25,496
Population
30.3
Area (sq mi)
843
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 20876?
36.8
Median Age
48.8%
Male
51.2%
Female
35.7%
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?
$119,731
Median Household Income
+5% vs state
$47,977
Per Capita Income
9.8%
Poverty Rate
6.5%
Unemployment Rate
30.5 min
Mean Commute Time
How ZIP 20876 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$119,731 Top 10% higher than 90% 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?
8,939
Total Housing Units
8,783
Occupied Units
156
Vacant Units
3.00
Avg Household Size
Occupancy Type
$487,300
Median Home Value
+9% vs state
$2,109
Median Rent
1991
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
+10.3%
YoY Change (2024)
273
HPI Index (2000 = 100)
+173%
Total Change Since 2000
Home values in ZIP 20876 have increased 10.3% over the past year (2024). Since 2000, this ZIP has seen +173% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.0% | 196 |
| 2021 | +7.6% | 211 |
| 2022 | +12.9% | 238 |
| 2023 | +4.1% | 247 |
| 2024 | +10.3% | 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 545 business establishments in ZIP 20876, employing approximately 11,746 people with a combined annual payroll of $981,892,000.
545
Businesses
11,746
Employees
$981.9M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 134 | 24.6% |
| Health care and social assistance | 84 | 15.4% |
| Retail trade | 64 | 11.7% |
| Construction | 46 | 8.4% |
| Accommodation and food services | 46 | 8.4% |
| Other services (except public administration) | 39 | 7.2% |
| Administrative and support and waste management and remediation services | 37 | 6.8% |
| Real estate and rental and leasing | 21 | 3.9% |
| Finance and insurance | 18 | 3.3% |
| Transportation and warehousing | 15 | 2.8% |
| Information | 13 | 2.4% |
| Wholesale trade | 11 | 2.0% |
| Manufacturing | 9 | 1.6% |
| Arts, entertainment, and recreation | 4 | 0.7% |
| Management of companies and enterprises | 3 | 0.6% |
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 20876 vs 20886 →
ZIP 20876 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
- 20877
Gaithersburg (20877)
34,321 residents
- 20886
Montgomery Village (20886)
33,282 residents
- 20876
Germantown (20876)
25,496 residents
- 20879 24,360
Gaithersburg (20879)
24,360 residents
- 20882 14,063
Gaithersburg (20882)
14,063 residents
- 20871 13,130
Clarksburg (20871)
13,130 residents
- 20872 13,104
Damascus (20872)
13,104 residents
- 20841 10,460
Boyds (20841)
10,460 residents
What this shows Among its immediate neighbors, ZIP 20876 ranks #4 by population — useful context the national average alone can't give.
ZIP 20876 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20841
Boyds (20841)
$184,688 median income
- 20882
Gaithersburg (20882)
$184,136 median income
- 20871
Clarksburg (20871)
$177,523 median income
- 20878
Gaithersburg (20878)
$144,313 median income
- 20872
Damascus (20872)
$141,050 median income
- 20880
Washington Grove (20880)
$134,583 median income
- 20876
Germantown (20876)
$119,731 median income
- 20879
Gaithersburg (20879)
$112,104 median income
- 20886
Montgomery Village (20886)
$98,542 median income
What this shows By household income, ZIP 20876 ranks #7 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 20886 | Montgomery Village, MD | 33,282 | 2.9 mi |
| 20899 | Gaithersburg, MD | 142 | 4.5 mi |
| 20879 | Gaithersburg, MD | 24,360 | 4.1 mi |
| 20872 | Damascus, MD | 13,104 | 5.8 mi |
| 20871 | Clarksburg, MD | 13,130 | 4.5 mi |
| 20841 | Boyds, MD | 10,460 | 5.0 mi |
| 20877 | Gaithersburg, MD | 34,321 | 5.2 mi |
| 20882 | Gaithersburg, MD | 14,063 | 5.0 mi |
| 20878 | Gaithersburg, MD | 62,446 | 6.7 mi |
| 20880 | Washington Grove, MD | 450 | 5.7 mi |
More ZIP Codes in Montgomery County
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Frequently Asked Questions
What county is ZIP code 20876 in? ▼
What is the population of ZIP code 20876? ▼
What is the median household income in ZIP 20876? ▼
What is the average home value in ZIP 20876? ▼
What is the demographic makeup of ZIP 20876? ▼
How many businesses are in ZIP code 20876? ▼
What are the main industries in ZIP code 20876? ▼
How have home values changed in ZIP code 20876? ▼
What is the education level in ZIP code 20876? ▼
What is the average commute time in ZIP 20876? ▼
What percentage of residents own vs. rent in ZIP 20876? ▼
What is the poverty rate in ZIP code 20876? ▼
ZIP Code Research Guides
Official Data Resources for Germantown, MD
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.