ZIP code 20854

ZIP 20854 is a small city in Montgomery County, Maryland, with 49,694 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #19 of 477 ranked by population — larger than 96% of them. The median age here is 47.6 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 20854 earn a median of $250,001 a year, 218.3% 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 2.5% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 20854 is valued at $1,105,300, 264.3% above the national figure, while median gross rent runs $3,180 a month, 126.2% above the national figure, or roughly $38,160 across a full year. A household on the local median income would put about 15.3% 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 4.4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 89.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

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 20854 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 20854 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 20854 reports a median household income of $250,001, 68% above the $149,055 county median, and 140% above the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of $1,105,300, 65% above the county figure and 176% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $3,180 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 20854.

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 20854 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.