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 High-density area
- $173,625
- Median income Above-median income area
- $781,500
- Median home value Above-median home value
- 74.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 20895 (Kensington, MD) rose +3.9% from 2023 to 2024. The all-transactions index moved from 296.1 in 2023 to 307.5 in 2024 (2000 = 100).
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 average Maryland ZIP), while per-capita income is $80,663. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.7% and unemployment is 3.6%. Housing is both higher-cost and owner-heavy: median home value is $781,500 (75% above the average Maryland ZIP), while 78.7% of occupied homes are owner-occupied and median rent is $2,113.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 20895 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 20895
Top 5 sectors by establishment count in Kensington, MD
Which industries have the most business establishments in ZIP 20895.
- Professional, scientific, and technical services
Professional, scientific, and technical services
102 establishments
- Health care and social assistance
Health care and social assistance
78 establishments
- Construction
Construction
70 establishments
- Retail trade
Retail trade
70 establishments
- Other services (except public administration)
Other services (except public administration)
69 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 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
Who lives in ZIP 20895?
41.9
Median Age
50.0%
Male
50.0%
Female
17.6%
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?
$173,625
Median Household Income
+52% vs state ZIP avg
$80,663
Per Capita Income
4.7%
Poverty Rate
3.6%
Unemployment Rate
30.1 min
Mean Commute Time
How ZIP 20895 ranks among Maryland ZIPs
Kensington, MD household income vs. every Maryland ZIP code
Median household income among 419 reporting Maryland ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$173,625 Top 10% higher than 90% of 419 Maryland ZIPs
Each bar is a $20K-wide band; taller bars hold more Maryland 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
7,292housing units
7,292
Total Housing Units
6,991
Occupied Units
301
Vacant Units
2.71
Avg Household Size
Occupancy Type
$781,500
Median Home Value
+75% vs state ZIP avg
$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.
- 20906
Silver Spring (20906)
64,696 residents
- 20902
Silver Spring (20902)
48,841 residents
- 20852
Rockville (20852)
40,365 residents
- 20910
Silver Spring (20910)
37,445 residents
- 20901
Silver Spring (20901)
34,832 residents
- 20853
Rockville (20853)
29,673 residents
- 20815
Chevy Chase (20815)
29,082 residents
- 20814
Bethesda (20814)
27,642 residents
- 20895 19,054
Kensington (20895)
19,054 residents
What this shows Among its immediate neighbors, ZIP 20895 ranks #9 by population - useful context the national average alone can't give.
ZIP 20895 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20015
Washington (20015)
$250,000 median income
- 20896
Garrett Park (20896)
$250,000 median income
- 20815
Chevy Chase (20815)
$194,971 median income
- 20895
Kensington (20895)
$173,625 median income
- 20853
Rockville (20853)
$159,080 median income
- 20814
Bethesda (20814)
$150,996 median income
- 20901
Silver Spring (20901)
$131,386 median income
- 20852
Rockville (20852)
$122,472 median income
- 20902
Silver Spring (20902)
$114,486 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 20895, 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 (19,054 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 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.
Related
Take this with you
What to do with ZIP 20895's numbers, next.
- See how ZIP 20895 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Kensington, 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.