ZIP 20861 vs ZIP 20862

20861 is one of 48 ZIP codes that lie mostly in Montgomery County, MD.

Shaded by typical home value, it ranks 7 of the 36 nearby ZIPs shown.

20862 is one of 48 ZIP codes that lie mostly in Montgomery County, MD.

Shaded by typical home value, it ranks 8 of the 36 nearby ZIPs shown.

In January 2000 the typical home in 20861 was worth $382,403.

Values peaked at $966,080 in April 2025. The latest reading is −1.0% from that peak.

As of August 2026: $956,242, +0.2% over twelve months.

Start with the typical home: $956,242. Put 20% down and borrow $764,994 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,297 a month in principal and interest.

The median household here earns $176,094 a year, $14,675 a month. So the payment takes 36.1% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 14.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $2,290.

In December 2020, with rates at 2.68%, it was $2,508.

By August 2026, at 6.67%, it was $4,920 — +96% since December 2020, while the home's value moved +23%.

Reported values rose +150% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $754,712. So the real change is +27%, not +150%.

20861: +150% since January 2000.

Montgomery County: +182% since January 2000.

Maryland: +180% since January 2000 — 20861 ran behind it by 30 points.

Owning the typical home costs about $6,253 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,068 a month.

Price divided by a year's rent: 38.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2022 the typical home in 20862 was worth $826,527.

Values peaked at $924,937 in May 2025. The latest reading is −2.3% from that peak.

As of August 2026: $903,732, −0.9% over twelve months.

Start with the typical home: $903,732. Put 20% down and borrow $722,986 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,006 a month in principal and interest.

The median household here earns $242,721 a year, $20,227 a month. So the payment takes 24.7% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 22.6% in 2022.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2022 (3.76%) the payment was $3,067.

In February 2022, with rates at 3.76%, it was $3,067.

By August 2026, at 6.67%, it was $4,649 — +52% since February 2022, while the home's value moved +9%.

Reported values rose +9% since February 2022.

General prices (CPI-U) rose +17% over the same span.

Divide one by the other: in August 2026 dollars, the 2022 home was worth $970,715. So the real change is −7%, not +9%.

20862: +9% since February 2022.

Montgomery County: +8% since February 2022.

Maryland: +11% since February 2022 — 20862 ran behind it by 1 points.

Owning the typical home costs about $5,910 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,068 a month.

Price divided by a year's rent: 36.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 133% of it, and below it in 19 of the last 24 months.

Across Montgomery County, builders pulled permits for 1,411 new homes in 2025.

Of those, 57% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at ∞% of it, and below it in 7 of the last 24 months.

Across Montgomery County, builders pulled permits for 1,411 new homes in 2025.

Of those, 57% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Montgomery County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,327 moved in. Among the ten receiving the most, 15,047 moved out.

Net across those counties: −2,720 households. Beside it, homes for sale in this ZIP: 6 in June 2026.

Most arrivals came from Prince George's, MD (3,735 households); most departures went to Prince George's, MD (3,823).

This ZIP sits in Montgomery County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,327 moved in. Among the ten receiving the most, 15,047 moved out.

Net across those counties: −2,720 households. Beside it, homes for sale in this ZIP: 2 in June 2026.

Most arrivals came from Prince George's, MD (3,735 households); most departures went to Prince George's, MD (3,823).