20874 ZIP Code — Germantown, MD
Montgomery County, Maryland
ZIP code 20874 is located in Germantown, Maryland, within Montgomery County. It covers approximately 22.68 square miles and serves a population of 61,922 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 301.
About ZIP code 20874
The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $376,100. Owner-occupancy sits near the national average at 65%.
The gap between median ($108,211) and mean household income suggests income inequality — a small number of higher earners pull the average up.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 34 minutes is near the national average.
Educational attainment is high — 47% of residents hold a bachelor's degree or higher, well above the national average of 33%.
61,922
population
22.68
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
20874 ZIP code map
Cities in ZIP code 20874
Below are the cities the US Postal Service accepts for ZIP code 20874. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Germantown | Acceptable |
| Germantown | Preferred |
Nearby ZIP codes
20878 Gaithersburg (3 mi)
20841 Boyds (3.6 mi)
20899 Gaithersburg (4.6 mi)
20876 Germantown (5.5 mi)
20877 Gaithersburg (5.8 mi)
20886 Montgomery Village (6 mi)
20879 Gaithersburg (6.2 mi)
20850 Rockville (6.3 mi)
20837 Poolesville (7 mi)
20838 Barnesville (7.3 mi)
20839 Beallsville (7.7 mi)
20855 Derwood (8 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 61,922 |
| Population density | 2,730 / sq mi |
| State FIPS | 24 |
| County FIPS | 031 |
| Geography | |
|---|---|
| Land area | 22.68 sq mi |
| Water area | 0.99 sq mi |
| Latitude | 39.1395 |
| Longitude | -77.2880 |
| Timezone | Eastern (ET) |
| Area code | 301 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 20.2% | 20.6% | 28.2% |
| $50k – $100k | 31.0% | 24.2% | 28.2% |
| $100k – $200k | 36.2% | 31.9% | 30.1% |
| Over $200k | 12.6% | 23.3% | 13.4% |
Demographics & statistics
61,922
Population
2,730
People per sq mi
37.4
Median age
$108,211
Median household income
$50,206
Per capita income
$376,100
Median home value
$1,866
Median monthly rent
65.0%
Home ownership
8.2%
Poverty rate
4.3%
Unemployment
15,084
Housing units
46.7%
Bachelor's or higher
Age distribution
Male
Female
1,747
Under 5
1,810
2,122
5–9
2,199
1,987
10–14
2,059
1,982
15–19
2,054
1,805
20–24
1,871
4,481
25–34
4,643
4,619
35–44
4,786
4,142
45–54
4,292
2,230
55–59
2,310
1,861
60–64
1,929
2,363
65–74
2,449
833
75–84
863
238
85+
247
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 14,446 | 23.3% |
| 18 and over | 47,476 | 76.7% |
| 65 and over | 6,993 | 11.3% |
| Median age | 37.4 years | |
Race & ethnicity
White
31.3%
Black or African American
19.9%
Asian
14.9%
Hispanic or Latino
14.9%
Two or more races
11.4%
Other race
7.4%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 22,808 | 31.3% |
| Black or African American | 14,492 | 19.9% |
| Asian | 10,859 | 14.9% |
| Hispanic or Latino | 10,850 | 14.9% |
| Two or more races | 8,263 | 11.4% |
| Other race | 5,382 | 7.4% |
| American Indian / Alaska Native | 118 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 20.2% | 20.6% | 28.2% |
| $50k – $100k | 31.0% | 24.2% | 28.2% |
| $100k – $200k | 36.2% | 31.9% | 30.1% |
| Over $200k | 12.6% | 23.3% | 13.4% |
Under $10k
2.4%
$10k–$15k
1.3%
$15k–$25k
3.5%
$25k–$35k
3.7%
$35k–$50k
5.4%
$50k–$75k
15.1%
$75k–$100k
15.7%
$100k–$150k
21.0%
$150k–$200k
12.5%
$200k+
19.2%
| Range | % of households |
|---|---|
| Under $10k | 2.4% |
| $10k–$15k | 1.3% |
| $15k–$25k | 3.5% |
| $25k–$35k | 3.7% |
| $35k–$50k | 5.4% |
| $50k–$75k | 15.1% |
| $75k–$100k | 15.7% |
| $100k–$150k | 21.0% |
| $150k–$200k | 12.5% |
| $200k+ | 19.2% |
| Median income | $108,211 |
Housing
Home values
Under $50k
1.4%
$50k–$100k
0.4%
$100k–$150k
1.6%
$150k–$200k
2.3%
$200k–$300k
20.8%
$300k–$500k
46.9%
$500k–$1M
23.5%
$1M+
3.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $376,100 |
| Median rent / month | $1,866 |
| Owner occupied | 65.0% |
| Renter occupied | 35.0% |
| Vacant | 2.3% |
| Single-family detached | 21.9% |
| Large apartment buildings | 6.5% |
| Mobile homes | 0.0% |
| Median rooms | 5.8 |
| Avg household size (owned) | 2.85 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.6% |
| 2010–2019 | 4.4% |
| 2000–2009 | 13.6% |
| 1990–1999 | 25.9% |
| 1980–1989 | 38.3% |
| 1970–1979 | 13.2% |
| 1960–1969 | 1.6% |
| 1950–1959 | 1.8% |
| 1940–1949 | 0.0% |
| 1939 or earlier | 0.6% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.0% |
| 1 bedroom | 7.9% |
| 2 bedrooms | 30.8% |
| 3 bedrooms | 37.9% |
| 4 bedrooms | 16.5% |
| 5+ bedrooms | 5.9% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 6.4% |
| 1 vehicle | 37.8% |
| 2 vehicles | 38.9% |
| 3 or more | 16.8% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 36.2% |
| Electricity | 60.0% |
| Propane / LP gas | 0.9% |
| Fuel oil | 1.9% |
| Wood | 0.3% |
| Solar | 0.3% |
| No fuel used | 0.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 11,031 | 49.3% |
| Cohabiting couple | 1,110 | 5.0% |
| Male householder, no spouse | 3,609 | 16.1% |
| Female householder, no spouse | 6,640 | 29.7% |
| Households with children under 18 | 8,370 | 37.4% |
| Households with seniors (65+) | 4,891 | 21.8% |
| Average household size | 2.76 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 34.3% | 32.6% |
| Married | 53.6% | 48.5% |
| Separated | 1.5% | 2.5% |
| Widowed | 2.6% | 4.6% |
| Divorced | 8.0% | 11.8% |
Education
Less than 9th grade
4.8%
Some HS, no diploma
5.6%
HS graduate
17.5%
Some college, no degree
17.4%
Associate's degree
8.0%
Bachelor's degree
25.3%
Graduate / professional
21.4%
| Metric | % |
|---|---|
| HS diploma or higher | 89.6% |
| Bachelor's or higher | 46.7% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 1,062 | 6.5% |
| Kindergarten | 684 | 4.2% |
| Elementary school | 6,648 | 40.4% |
| High school | 3,469 | 21.1% |
| College / grad school | 4,594 | 27.9% |
Employment
Industry of employment
Education & healthcare
22.2%
Professional & management
19.4%
Retail trade
11.3%
Public administration
10.1%
Arts, food & hospitality
8.5%
Other services
6.1%
Finance & real estate
5.6%
Construction
5.4%
Manufacturing
4.7%
Transportation & utilities
3.9%
Wholesale trade
1.3%
Information
1.3%
Agriculture & mining
0.3%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 51.4% |
| Service | 17.0% |
| Sales & office | 18.1% |
| Natural resources & construction | 4.9% |
| Production & transportation | 8.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 72.8% |
| Government | 20.6% |
| Self-employed | 6.5% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 65.7% |
| Carpool | 9.1% |
| Public transit | 6.2% |
| Walk | 1.1% |
| Work from home | 15.6% |
| Other means | 2.2% |
| Avg commute (minutes) | 33.6 |
Poverty
All people
8.2%
Under 18 years
10.2%
18 and over
7.6%
Married-couple families
2.8%
Female-led households
16.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 18.8% |
| Retirement income | 15.2% |
| Supplemental Security | 4.4% |
| Cash public assistance | 3.2% |
| Food stamps / SNAP | 9.6% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 22.8% |
| High blood pressure | 24.1% |
| High cholesterol | 28.6% |
| Diabetes | 7.0% |
| Heart disease | 3.3% |
| Stroke | 1.8% |
| Asthma | 8.5% |
| Arthritis | 14.7% |
| Kidney disease | 1.9% |
| Pulmonary disease | 3.4% |
| Cancer | 4.0% |
| Behavior / access | % |
|---|---|
| Smoking | 10.7% |
| Binge drinking | 13.9% |
| No physical activity | 17.0% |
| Less than 7 hrs sleep | 32.3% |
| Depression | 16.3% |
| Fair or poor health | 9.1% |
| Poor mental health | 12.7% |
| Poor physical health | 6.1% |
| No health insurance | 12.6% |
| Visited doctor (checkup) | 70.4% |
| Visited dentist | 66.5% |
| Cholesterol screening | 91.6% |
| Teeth loss | 6.7% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 2,538 | 5.4% |
| Disability | % |
|---|---|
| Any disability | 10.4% |
| Under 18 | 3.1% |
| 18–64 years | 9.1% |
| 65 and over | 32.7% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 73.5% |
| Public insurance | 29.7% |
| No insurance | 6.7% |
| Uninsured under 19 | 2.6% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 58,365 | 94.3% |
| Spanish | 10,367 | 17.8% |
| Other Indo-European | 5,590 | 9.6% |
| Asian & Pacific Islander | 1,725 | 3.0% |
| Other languages | 2,542 | 4.4% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 38,866 | 62.8% |
| Born in same state | 37,225 | 60.1% |
| Born in different state | 19,143 | 30.9% |
| Foreign born | 1,641 | 2.7% |
| Naturalized citizen | 23,056 | 37.2% |
| Not a US citizen | 14,128 | 61.3% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 3,628 | 5.9% |
| French | 3,162 | 5.1% |
| Arab | 1,279 | 2.1% |
| English | 306 | 0.5% |
| Polish | 177 | 0.3% |
| Ancestry | Count | % |
|---|---|---|
| Irish | 175 | 0.3% |
| German | 156 | 0.3% |
| Dutch | 99 | 0.2% |
| Norwegian | 46 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 36.2% |
| Internet access | 99.0% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 20874
What part of Germantown is ZIP code 20874?
ZIP code 20874 covers a portion of Germantown, Maryland, within Montgomery County.
What county is ZIP code 20874 in?
ZIP code 20874 falls within Montgomery County, Maryland.
How educated is the population of ZIP code 20874?
47% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
What is the typical home value in ZIP code 20874?
The median home value in ZIP code 20874 is $376,100.
What is the median household income in ZIP code 20874?
The median household income in ZIP code 20874 is $108,211, above the national median of ~$75,000.
What is the population of ZIP code 20874?
ZIP code 20874 has an estimated population of 61,922 residents, with a density of 2,731 people per square mile.
What timezone is ZIP code 20874 in?
ZIP code 20874 observes the EST timezone.