20854 ZIP Code — Potomac, MD

Montgomery County, Maryland

ZIP code 20854 is located in Potomac, Maryland, within Montgomery County. It covers approximately 33.83 square miles and serves a population of 49,320 residents. This is a po box ZIP code in the Eastern (ET) timezone, served by area code 301.

About ZIP code 20854

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $1,042,200. Owner-occupancy is high at 90%, well above the national average.

The gap between median ($241,697) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 32 minutes is near the national average. Remote work is prevalent — 28% of workers work from home.

Educational attainment is high — 86% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 20854 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

49,320

population

33.83

sq mi land

PO Box

ZIP type

Eastern (ET)

timezone

20854 ZIP code map

Cities in ZIP code 20854

Below are the cities the US Postal Service accepts for ZIP code 20854. Using any city not on this list may result in mail delivery delays.

City	Status
Potomac	Acceptable
Potomac	Preferred

Nearby ZIP codes

22066 Great Falls (3.6 mi) 22067 Greenway (3.8 mi) 22102 Mc Lean (4.6 mi) 20817 Bethesda (4.9 mi) 20850 Rockville (5.4 mi) 20818 Cabin John (5.6 mi) 20194 Reston (5.9 mi) 20878 Gaithersburg (6 mi) 22182 Vienna (6.2 mi) 20857 Rockville (6.5 mi) 20196 Reston (6.5 mi) 22096 Reston (6.5 mi)

Demographics updated 06/2026

Population
Total population	49,320
Population density	1,458 / sq mi
State FIPS	24
County FIPS	031

Geography
Land area	33.83 sq mi
Water area	3.05 sq mi
Latitude	39.0248
Longitude	-77.2466
Timezone	Eastern (ET)
Area code	301

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	9.1%	20.6%	28.2%
$50k – $100k	10.7%	24.2%	28.2%
$100k – $200k	26.8%	31.9%	30.1%
Over $200k	53.4%	23.3%	13.4%

Demographics & statistics

49,320

Population

1,458

People per sq mi

48.1

Median age

$241,697

Median household income

$106,681

Per capita income

$1,042,200

Median home value

$3,056

Median monthly rent

89.9%

Home ownership

2.7%

Poverty rate

3.5%

Unemployment

15,520

Housing units

85.7%

Bachelor's or higher

Age distribution

Male Female

1,079

Under 5

1,089

1,287

5–9

1,298

2,066

10–14

2,085

2,182

15–19

2,201

960

20–24

968

1,159

25–34

1,169

2,462

35–44

2,485

4,008

45–54

4,044

1,951

55–59

1,969

1,745

60–64

1,760

3,078

65–74

3,106

1,955

75–84

1,972

618

85+

624

← Male

Female →

Age summary

Group	Count	%
Under 18	11,848	24.0%
18 and over	37,472	76.0%
65 and over	11,353	23.0%
Median age	48.1 years

Race & ethnicity

White 60.5%

Asian 20.3%

Two or more races 7.3%

Hispanic or Latino 5.6%

Black or African American 4.6%

Other race 1.7%

Group	Count	%
White	31,620	60.5%
Asian	10,589	20.3%
Two or more races	3,817	7.3%
Hispanic or Latino	2,942	5.6%
Black or African American	2,390	4.6%
Other race	903	1.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	9.1%	20.6%	28.2%
$50k – $100k	10.7%	24.2%	28.2%
$100k – $200k	26.8%	31.9%	30.1%
Over $200k	53.4%	23.3%	13.4%

Under $10k 1.5%

$10k–$15k 0.6%

$15k–$25k 1.3%

$25k–$35k 1.1%

$35k–$50k 3.0%

$50k–$75k 5.8%

$75k–$100k 4.5%

$100k–$150k 10.7%

$150k–$200k 11.6%

$200k+ 59.8%

Range	% of households
Under $10k	1.5%
$10k–$15k	0.6%
$15k–$25k	1.3%
$25k–$35k	1.1%
$35k–$50k	3.0%
$50k–$75k	5.8%
$75k–$100k	4.5%
$100k–$150k	10.7%
$150k–$200k	11.6%
$200k+	59.8%
Median income	$241,697

Housing

Home values

Under $50k 0.9%

$50k–$100k 0.5%

$100k–$150k 0.3%

$150k–$200k 0.3%

$200k–$300k 0.5%

$300k–$500k 2.0%

$500k–$1M 42.3%

$1M+ 53.2%

Housing overview

Metric	Value
Median home value	$1,042,200
Median rent / month	$3,056
Owner occupied	89.9%
Renter occupied	10.1%
Vacant	2.9%
Single-family detached	80.3%
Large apartment buildings	5.2%
Mobile homes	0.4%
Median rooms	10.0
Avg household size (owned)	2.95

Year built

Era	%
2020 or later	0.1%
2010–2019	5.6%
2000–2009	7.1%
1990–1999	14.2%
1980–1989	20.2%
1970–1979	25.9%
1960–1969	21.3%
1950–1959	4.1%
1940–1949	1.3%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	1.4%
2 bedrooms	4.9%
3 bedrooms	13.0%
4 bedrooms	41.7%
5+ bedrooms	38.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.4%
1 vehicle	18.9%
2 vehicles	51.4%
3 or more	28.4%

Heating fuel

Fuel type	%
Utility gas	65.5%
Electricity	25.8%
Propane / LP gas	2.0%
Fuel oil	5.4%
Solar	0.2%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	12,421	74.4%
Cohabiting couple	170	1.0%
Male householder, no spouse	1,383	8.3%
Female householder, no spouse	2,727	16.3%
Households with children under 18	6,449	38.6%
Households with seniors (65+)	7,173	42.9%
Average household size	2.92

Marital status

Status	Male	Female
Never married	23.6%	21.0%
Married	69.9%	63.9%
Separated	0.5%	0.6%
Widowed	1.6%	9.0%
Divorced	4.5%	5.6%

Education

Less than 9th grade 1.5%

Some HS, no diploma 1.5%

HS graduate 3.5%

Some college, no degree 5.6%

Associate's degree 2.4%

Bachelor's degree 29.6%

Graduate / professional 56.1%

Metric	%
HS diploma or higher	97.1%
Bachelor's or higher	85.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	912	6.8%
Kindergarten	420	3.1%
Elementary school	5,647	42.0%
High school	3,977	29.6%
College / grad school	2,496	18.6%

Employment

Industry of employment

Professional & management 28.2%

Education & healthcare 22.7%

Public administration 15.2%

Finance & real estate 10.8%

Other services 5.0%

Retail trade 4.5%

Arts, food & hospitality 3.8%

Manufacturing 2.7%

Information 2.1%

Wholesale trade 1.9%

Construction 1.8%

Transportation & utilities 1.3%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	77.8%
Service	6.9%
Sales & office	12.9%
Natural resources & construction	0.8%
Production & transportation	1.7%

Employment type

Type	%
Private sector	69.3%
Government	23.2%
Self-employed	7.2%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	59.7%
Carpool	5.5%
Public transit	4.1%
Walk	1.0%
Work from home	27.7%
Other means	2.0%
Avg commute (minutes)	31.6

Poverty

All people 2.7%

Under 18 years 2.3%

18 and over 2.9%

Married-couple families 1.0%

Female-led households 8.4%

Income support

Source	% of households
Social Security	34.7%
Retirement income	30.4%
Supplemental Security	1.5%
Cash public assistance	0.9%
Food stamps / SNAP	1.7%

Health indicators

Condition	%
Obesity	17.9%
High blood pressure	29.0%
High cholesterol	37.8%
Diabetes	7.9%
Heart disease	5.0%
Stroke	2.1%
Asthma	7.2%
Arthritis	20.3%
Kidney disease	2.4%
Pulmonary disease	3.6%
Cancer	7.6%

Behavior / access	%
Smoking	6.0%
Binge drinking	11.3%
No physical activity	12.8%
Less than 7 hrs sleep	25.7%
Depression	14.0%
Fair or poor health	6.7%
Poor mental health	8.9%
Poor physical health	5.4%
No health insurance	6.3%
Visited doctor (checkup)	75.6%
Visited dentist	78.2%
Cholesterol screening	96.0%
Teeth loss	3.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,746	4.7%

Disability	%
Any disability	7.7%
Under 18	3.0%
18–64 years	5.4%
65 and over	17.9%

Health insurance coverage

Type	%
Private insurance	90.8%
Public insurance	24.0%
No insurance	1.1%
Uninsured under 19	0.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	47,152	95.6%
Spanish	3,875	8.2%
Other Indo-European	394	0.8%
Asian & Pacific Islander	1,234	2.6%
Other languages	2,168	4.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	35,346	71.7%
Born in same state	34,421	69.8%
Born in different state	10,038	20.4%
Foreign born	925	1.9%
Naturalized citizen	13,974	28.3%
Not a US citizen	10,269	73.5%

Ancestry

Ancestry	Count	%
Italian	3,654	7.4%
French	2,901	5.9%
Arab	2,426	4.9%
English	332	0.7%
Irish	314	0.6%

Ancestry	Count	%
Polish	249	0.5%
Norwegian	197	0.4%
German	146	0.3%
Dutch	103	0.2%

Technology access

Metric	% of households
Computer access	33.9%
Internet access	99.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 20854

What city is ZIP code 20854 in?

ZIP code 20854 is primarily assigned to Potomac, Maryland.

What county is ZIP code 20854 in?

ZIP code 20854 falls within Montgomery County, Maryland.

How educated is the population of ZIP code 20854?

86% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 20854 mostly owner-occupied?

90% of occupied units in ZIP code 20854 are owner-occupied, well above the national average.

What is the median household income in ZIP code 20854?

The median household income in ZIP code 20854 is $241,697, above the national median of ~$75,000.

What is the typical home value in ZIP code 20854?

The median home value in ZIP code 20854 is $1,042,200.

What timezone is ZIP code 20854 in?

ZIP code 20854 observes the EST timezone.