ZIP 20882 vs ZIP 20868

20882 is one of 48 ZIP codes that lie mostly in Montgomery County, MD.

Shaded by typical home value, it ranks 11 of the 36 nearby ZIPs shown.

3 school locations in 20882: 3 elementary.

In alphabetical order: Goshen Elementary, Laytonsville Elementary, Woodfield Elementary. Locations only — no ratings are shown here.

20868 is one of 48 ZIP codes that lie mostly in Montgomery County, MD.

Shaded by typical home value, it ranks 14 of the 36 nearby ZIPs shown.

In January 2000 the typical home in 20882 was worth $299,574.

Values peaked at $802,584 in April 2025. The latest reading is −1.4% from that peak.

As of August 2026: $791,418, −0.4% over twelve months.

Start with the typical home: $791,418. Put 20% down and borrow $633,134 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,384 a month in principal and interest.

The median household here earns $186,964 a year, $15,580 a month. So the payment takes 28.1% of income — rated “stretched” (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 10.7% 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 $1,794.

In December 2020, with rates at 2.68%, it was $2,050.

By August 2026, at 6.67%, it was $4,072 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +164% 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 $591,240. So the real change is +34%, not +164%.

20882: +164% since January 2000.

Montgomery County: +182% since January 2000.

Maryland: +180% since January 2000 — 20882 ran behind it by 16 points.

Owning the typical home costs about $5,175 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: 31.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 20868 was worth $331,732.

Values peaked at $775,215 in December 2006. The latest reading is −2.6% from that peak.

As of August 2026: $755,335, −0.8% over twelve months.

Start with the typical home: $755,335. Put 20% down and borrow $604,268 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,184 a month in principal and interest.

The median household here earns $109,554 a year, $9,130 a month. So the payment takes 45.8% 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 20.1% 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 $1,986.

In December 2020, with rates at 2.68%, it was $2,035.

By August 2026, at 6.67%, it was $3,886 — +91% since December 2020, while the home's value moved +20%.

Reported values rose +128% 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 $654,707. So the real change is +15%, not +128%.

20868: +128% since January 2000.

Montgomery County: +182% since January 2000.

Maryland: +180% since January 2000 — 20868 ran behind it by 53 points.

Owning the typical home costs about $4,939 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: 30.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 37.

Going out — closed sales: about 13 a month.

The ladder: homes for sale ÷ monthly sales = 2.8 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 17 — so sales ran at 76% of it, and below it in 23 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 1 a month in December 2025 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 4 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: 37 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: 3 in June 2026.

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