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Germantown CDP, MD

ZIP 20876 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20876

Median Home Value
$456,500
Median Rent
$1,822
Affordability Snapshot
$126,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,932/mo PITI).

19%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

20.9 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 20876 in Germantown CDP, MD, a household would need roughly $126,000 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 $2,932. That is roughly in line with the local median household income ($113,329). 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
67.2%+3% vs US avg
x
Vacancy Rate
1.6%-85% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
12.3%-17% vs US avg
x
Built Pre-1939
0.0%-100% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
22.8%-54% vs US avg
x
Mortgage-Free
26.9%-30% vs US avg
x
$456,500
Home Value
$1,822
Rent
1991
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached40.0%
  • 1-unit attached33.2%
  • 2-9 units11.0%
  • 10+ units15.1%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$456,500
Median rent$1,822
Owner-occupied67.2%
Vacant1.6%
Price-to-income4.0x
Est. income to buy$126,000