ZIP code 20814

ZIP 20814 is a small city in Montgomery County, Maryland, with 30,822 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #81 of 477 ranked by population — larger than 83% of them. The median age here is 41.3 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 20814 earn a median of $150,401 a year, 91.5% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 3.8% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 20814 is valued at $976,500, 221.9% above the national figure, while median gross rent runs $2,329 a month, 65.6% above the national figure, or roughly $27,948 across a full year. A household on the local median income would put about 18.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 6.5×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 52.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 6.5× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 20814 is tabulated inside Montgomery County, Maryland, one of 48 ZIP areas the Census publishes for that county and 477 across Maryland. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 20814 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 20814 reports a median household income of $150,401, close to the $149,055 county median, and 44% above the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of $976,500, 46% above the county figure and 144% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,329 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Maryland charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 20814.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 20814 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.