ZIP code 20912

ZIP 20912 is a small city in Montgomery County, Maryland, with 25,428 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #107 of 477 ranked by population — larger than 77% of them. The median age here is 37.7 years against 39.1 nationally, a slightly younger 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 20912 earn a median of $82,097 a year, 4.5% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 12.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 20912 is valued at $671,400, 121.3% above the national figure, while median gross rent runs $1,452 a month, 3.3% above the national figure, or roughly $17,424 across a full year. A household on the local median income would put about 21.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 8.2×, 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. 43.1% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 8.2× 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. Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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 20912 is tabulated inside Montgomery County, Maryland, one of 48 ZIP areas the Census publishes for that county and 477 across Maryland. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 20912 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 20912 reports a median household income of $82,097, 45% below the $149,055 county median, and 21% below the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of $671,400, close to the county figure and 67% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,452 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 20912.

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 20912 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.