PlainZIP

Kensington, MD · standard

ZIP Code 20895

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

19,054
1,808/sq mi
$173,625
Median income
$781,500
Median home value
74.3%
Bachelor's or higher

The verdict

Kensington 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 5%
home value, US ZIPs
1,808
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20895 against every reporting US ZIP.

ZIP code 20895 is a mid-sized community (a standard USPS delivery area) in Kensington, Montgomery County, Maryland, home to 19,054 residents across 10.5 square miles, a density of 1,808 people per square mile, in the New York time zone.

ZIP 20895 skews affluent, with a median household income of $173,625 (52% above the Maryland average), while per-capita income is $80,663. The poverty rate stands at 4.7% and the unemployment rate at 3.6%. On housing, the median home value is $781,500 (75% above the state average) with median rent at $2,113 per month, and 78.7% of occupied units are owner-occupied.

This is a highly-educated ZIP: 74.3% of adults hold a bachelor's degree or higher, the median age is 41.9, and the average commute is 30 minutes. To put 20895 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Montgomery County, for a geography-aware comparison.

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 20895

Top 5 sectors by establishment count in Kensington, MD

Which industries have the most business establishments in ZIP 20895.

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 20895, Kensington, 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

19,054

Population

10.5

Area (sq mi)

1,808

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 20895?

41.9

Median Age

50.0%

Male

50.0%

Female

17.6%

Foreign-Born

White 67.5%
African American 5.5%
Asian 5.8%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.0%
Hispanic or Latino 16.5%

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?

$173,625

Median Household Income

+52% vs state

$80,663

Per Capita Income

4.7%

Poverty Rate

3.6%

Unemployment Rate

30.1 min

Mean Commute Time

How ZIP 20895 ranks nationally

Kensington, MD household income vs. every US ZIP code

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

$173,625 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 85.0%
Bachelor's Degree or Higher 74.3%

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

What does housing look like?

7,292

Total Housing Units

6,991

Occupied Units

301

Vacant Units

2.71

Avg Household Size

Occupancy Type

Owner 78.7%
Renter 21.3%

$781,500

Median Home Value

+75% vs state

$2,113

Median Rent

1958

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

+3.9%

YoY Change (2024)

308

HPI Index (2000 = 100)

+208%

Total Change Since 2000

Home values in ZIP 20895 have increased 3.9% over the past year (2024). Since 2000, this ZIP has seen +208% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.7% 236
2021 +5.8% 250
2022 +11.3% 278
2023 +6.5% 296
2024 +3.9% 308

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 585 business establishments in ZIP 20895, employing approximately 7,981 people with a combined annual payroll of $477,309,000.

585

Businesses

7,981

Employees

$477.3M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 102 17.4%
Health care and social assistance 78 13.3%
Construction 70 12.0%
Retail trade 70 12.0%
Other services (except public administration) 69 11.8%
Real estate and rental and leasing 37 6.3%
Administrative and support and waste management and remediation services 34 5.8%
Accommodation and food services 28 4.8%
Finance and insurance 22 3.8%
Educational services 19 3.3%
Wholesale trade 15 2.6%
Information 12 2.0%
Arts, entertainment, and recreation 12 2.0%
Transportation and warehousing 9 1.5%
Manufacturing 7 1.2%

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 20895 vs 20896 →

ZIP 20895 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 20895 ranks #9 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 20895 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 20895 ranks #4 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
20896 Garrett Park, MD 906 1.1 mi
20815 Chevy Chase, MD 29,082 3.0 mi
20814 Bethesda, MD 27,642 2.0 mi
20902 Silver Spring, MD 48,841 2.2 mi
20910 Silver Spring, MD 37,445 2.8 mi
20852 Rockville, MD 40,365 3.0 mi
20901 Silver Spring, MD 34,832 3.7 mi
20015 Washington, DC 15,332 4.3 mi
20906 Silver Spring, MD 64,696 4.3 mi
20853 Rockville, MD 29,673 5.3 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 Kensington, MD Maryland

Frequently Asked Questions

What county is ZIP code 20895 in? ▼
ZIP code 20895 (Kensington) 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 20895? ▼
ZIP code 20895 in Kensington, MD has a population of 19,054 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20895? ▼
The median household income in ZIP 20895 is $173,625, which is 128% above the national average of $76,288.
What is the average home value in ZIP 20895? ▼
The median home value in ZIP 20895 is $781,500, which is 181% above the national average of $278,155.
What is the demographic makeup of ZIP 20895? ▼
The largest racial group in ZIP 20895 is White at 67.5%. Hispanic or Latino residents make up 16.5% of the population.
How many businesses are in ZIP code 20895? ▼
ZIP code 20895 has 585 business establishments employing approximately 7,981 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20895? ▼
The top industries by establishment count in ZIP 20895 are: Professional, scientific, and technical services (102), Health care and social assistance (78), Construction (70). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 20895? ▼
According to the FHFA House Price Index, home values in ZIP 20895 increased by 3.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 208%. 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 20895? ▼
In ZIP code 20895, 85.0% of residents aged 25+ have a high school diploma or higher, and 74.3% 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 20895? ▼
The mean commute time for workers in ZIP code 20895 is 30.1 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 20895? ▼
In ZIP code 20895, approximately 78.7% of occupied housing units are owner-occupied and 21.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20895? ▼
The poverty rate in ZIP code 20895 is 4.7% 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.