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Maryland ZIP Codes
Montgomery County
Sandy Spring, MD
20860
20860 ZIP Code — Sandy Spring, MD
Montgomery County, Maryland
ZIP code 20860 is located in
Sandy Spring ,
Maryland ,
within Montgomery County .
It covers approximately 3.61 square miles and serves a population of
2,279 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 240/301 .
About ZIP code 20860
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 $710,500. Owner-occupancy is high at 83%, well above the national average.
The gap between median ($152,768) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 57% 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. An above-average commute of 41 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 28% of workers work from home.
Educational attainment is high — 52% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Overall, ZIP code 20860 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
20860 ZIP code map
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Cities in ZIP code 20860
Below are the cities the US Postal Service accepts for ZIP code 20860. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
2,279
Population density
631 / sq mi
State FIPS
24
County FIPS
031
Geography
Land area
3.61 sq mi
Water area
0.01 sq mi
Latitude
39.1499
Longitude
-77.0297
Timezone
Eastern (ET)
Area code
240/301
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
16.6%
20.6%
28.2%
$50k – $100k
14.2%
24.2%
28.2%
$100k – $200k
42.0%
31.9%
30.1%
Over $200k
27.2%
23.3%
13.4%
Demographics & statistics
$152,768
Median household income
$710,500
Median home value
$2,045
Median monthly rent
52.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 452 19.8% 18 and over 1,827 80.2% 65 and over 723 31.7% Median age 50.9 years
Race & ethnicity
Black or African American
15%
Group Count % White 1,142 44.6% Black or African American 384 15% Hispanic or Latino 280 10.9% Asian 273 10.7% Other race 267 10.4% Two or more races 213 8.3%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
16.6%
20.6%
28.2%
$50k – $100k
14.2%
24.2%
28.2%
$100k – $200k
42.0%
31.9%
30.1%
Over $200k
27.2%
23.3%
13.4%
Range % of households $15k–$25k 3.8% $35k–$50k 3.9% $50k–$75k 4.2% $75k–$100k 11.4% $100k–$150k 26.5% $150k–$200k 5.9% $200k+ 44.3% Median income $152,768
Housing
Housing overview
Metric Value Median home value $710,500 Median rent / month $2,045 Owner occupied 83.0% Renter occupied 17.0% Vacant 2.1% Single-family detached 55.8% Large apartment buildings 4.2% Mobile homes 0.0% Median rooms 6.4 Avg household size (owned) 2.69
Year built
Era % 2020 or later 3.9% 2010–2019 13.1% 2000–2009 24.3% 1990–1999 2.8% 1980–1989 29.9% 1970–1979 2.6% 1960–1969 11.7% 1950–1959 1.4% 1940–1949 1.5% 1939 or earlier 8.9%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 4.2% 2 bedrooms 21.2% 3 bedrooms 36.2% 4 bedrooms 22.0% 5+ bedrooms 16.4%
Vehicles per household
Vehicles % of households No vehicle 3.9% 1 vehicle 33.6% 2 vehicles 29.6% 3 or more 33.0%
Heating fuel
Fuel type % Utility gas 41.6% Electricity 46.4% Propane / LP gas 2.0% Fuel oil 9.9%
Households & families
Household type Count % Married-couple family 441 55.5% Cohabiting couple 35 4.4% Male householder, no spouse 49 6.2% Female householder, no spouse 270 34.0% Households with children under 18 198 24.9% Households with seniors (65+) 453 57.0% Average household size 2.46
Marital status
Status Male Female Never married 42.8% 16.7% Married 48.4% 47.6% Separated 1.0% 0.0% Widowed 3.0% 11.1% Divorced 4.7% 24.7%
Education
Some HS, no diploma
14.7%
Some college, no degree
12.1%
Graduate / professional
27.0%
Metric % HS diploma or higher 82.9% Bachelor's or higher 52.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 41 9.3% Kindergarten 61 13.9% Elementary school 110 25.1% High school 192 43.7% College / grad school 35 8.0%
Employment
Industry of employment
Professional & management
32.5%
Education & healthcare
18.7%
Finance & real estate
10.8%
Arts, food & hospitality
6.1%
Public administration
5.9%
Transportation & utilities
2.5%
Agriculture & mining
1.8%
Occupation
Category % Management, business & arts 69.8% Service 10.1% Sales & office 9.7% Natural resources & construction 1.2% Production & transportation 9.3%
Employment type
Type % Private sector 84.9% Government 12.6% Self-employed 2.5% Unpaid family workers 0.0%
Commute
Method % Drive alone 59.7% Carpool 0.0% Public transit 9.8% Walk 0.0% Work from home 28.4% Other means 2.1% Avg commute (minutes) 41.2
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 57.0% Retirement income 24.8% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 20.4% High blood pressure 36.6% High cholesterol 38.9% Diabetes 10.0% Heart disease 7.4% Stroke 3.5% Asthma 8.0% Arthritis 26.5% Kidney disease 3.5% Pulmonary disease 5.1% Cancer 10.0%
Behavior / access % Smoking 7.1% Binge drinking 9.5% No physical activity 17.7% Less than 7 hrs sleep 27.8% Depression 13.5% Fair or poor health 10.1% Poor mental health 9.4% Poor physical health 7.2% No health insurance 8.7% Visited doctor (checkup) 79.4% Visited dentist 73.1% Cholesterol screening 96.1% Teeth loss 6.9%
Veterans & disability
Veterans Count % Civilian veterans 86 4.7%
Disability % Any disability 10.9% Under 18 0.0% 18–64 years 12.8% 65 and over 15.8%
Health insurance coverage
Type % Private insurance 79.2% Public insurance 36.0% No insurance 0.3% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 2,163 94.9% Spanish 321 14.8% Other Indo-European 177 8.2% Asian & Pacific Islander 59 2.7% Other languages 64 3.0%
Place of birth & citizenship
Origin Count % Native born (US) 1,792 78.6% Born in same state 1,767 77.5% Born in different state 992 43.5% Foreign born 25 1.1% Naturalized citizen 487 21.4% Not a US citizen 357 73.3%
Ancestry
Ancestry Count % French 231 10.1% Italian 224 9.8% Polish 64 2.8%
Ancestry Count % Arab 22 1% Dutch 16 0.7% Norwegian 15 0.7%
Technology access
Metric % of households Computer access 34.9% Internet access 98.4%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 20860
What city is ZIP code 20860 in?
ZIP code 20860 is primarily assigned to Sandy Spring, Maryland.
What county is ZIP code 20860 in?
ZIP code 20860 falls within Montgomery County, Maryland.
Does ZIP code 20860 have an older population?
32% of residents in ZIP code 20860 are 65 or older, above the national average of ~17%.
Does ZIP code 20860 have a large retiree population?
57% of households in ZIP code 20860 receive Social Security income, suggesting a significant retiree or disability population.
How educated is the population of ZIP code 20860?
52% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Is ZIP code 20860 mostly owner-occupied?
83% of occupied units in ZIP code 20860 are owner-occupied, well above the national average.
What timezone is ZIP code 20860 in?
ZIP code 20860 observes the EST timezone.
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