US5.com
  1. Home
  2. States
  3. Maryland
  4. ZIP 20874
  5. Housing & Real Estate
Darnestown CDP, MD

ZIP 20874 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20874

Median Home Value
$385,300
Median Rent
$1,773
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,475/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 20874 in Darnestown CDP, MD, a household would need roughly $106,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,475. That is roughly in line with the local median household income ($109,648). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
65.9%+1% vs US avg
x
Vacancy Rate
2.5%-76% vs US avg
x
Broadband Access
97.3%+12% vs US avg
x
4+ Bedrooms
6.3%-58% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
21.9%-43% vs US avg
x
$385,300
Home Value
$1,773
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached21.7%
  • 1-unit attached43.1%
  • 2-9 units13.4%
  • 10+ units21.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$385,300
Median rent$1,773
Owner-occupied65.9%
Vacant2.5%
Price-to-income3.5x
Est. income to buy$106,000