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 classified by USPS as a standard delivery area and covers roughly 10.5 square miles in Kensington, Montgomery County, Maryland. The area is home to 19,054 residents, producing a population density of 1,808 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 20895 against Maryland and the nation.
On the economic side, the median household income for ZIP 20895 sits at $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, a direct signal of whether 20895 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 74.3% of adults hold a bachelor's degree or higher, the median age is 41.9, and the average commute is 30 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 20895 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 20895
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$80,663
Per Capita Income
4.7%
Poverty Rate
3.6%
Unemployment Rate
30.1 min
Mean Commute Time
How ZIP 20895 ranks nationally
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
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?
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
$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)
$250,001 median income
- 20896
Garrett Park (20896)
$250,001 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 |
More ZIP Codes in Montgomery County
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Frequently Asked Questions
What county is ZIP code 20895 in? ▼
What is the population of ZIP code 20895? ▼
What is the median household income in ZIP 20895? ▼
What is the average home value in ZIP 20895? ▼
What is the demographic makeup of ZIP 20895? ▼
How many businesses are in ZIP code 20895? ▼
What are the main industries in ZIP code 20895? ▼
How have home values changed in ZIP code 20895? ▼
What is the education level in ZIP code 20895? ▼
What is the average commute time in ZIP 20895? ▼
What percentage of residents own vs. rent in ZIP 20895? ▼
What is the poverty rate in ZIP code 20895? ▼
ZIP Code Research Guides
Official Data Resources for Kensington, 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.