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Gaithersburg city, MD

ZIP 20878 — 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 20878

Median Home Value
$675,200
Median Rent
$1,934
Affordability Snapshot
$186,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,337/mo PITI).

16%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

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

29.1 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 20878 in Gaithersburg city, MD, a household would need roughly $186,000 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 $4,337. That is about 31% above the local median household income ($142,062), so the median earner would likely stretch or need a larger down payment. 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
69.3%+6% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
98.1%+13% vs US avg
x
4+ Bedrooms
11.3%-24% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
30.6%-20% vs US avg
x
$675,200
Home Value
$1,934
Rent
1987
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 detached42.4%
  • 1-unit attached26.1%
  • 2-9 units7.4%
  • 10+ units24.1%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$675,200
Median rent$1,934
Owner-occupied69.3%
Vacant3.8%
Price-to-income4.8x
Est. income to buy$186,000