ZIP 20852

20852 is one of 48 ZIP codes that lie mostly in Montgomery County, MD.

Shaded by typical home value, it ranks 29 of the 36 nearby ZIPs shown.

6 school locations in 20852: 3 elementary, 1 middle, 2 high.

In alphabetical order: Bayard Rustin Elementary, Farmland Elementary, Luxmanor Elementary, Richard Montgomery High, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 20852 was worth $221,791.

Values peaked at $542,239 in July 2006. The latest reading is −2.6% from that peak.

As of August 2026: $528,124, −1.5% over twelve months.

Start with the typical home: $528,124. Put 20% down and borrow $422,499 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,925 a month in principal and interest.

The median household here earns $121,496 a year, $10,125 a month. So the payment takes 28.9% 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 12.1% 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 $1,328.

In December 2020, with rates at 2.68%, it was $1,557.

By August 2026, at 6.67%, it was $2,717 — +75% since December 2020, while the home's value moved +10%.

Reported values rose +138% 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 $437,727. So the real change is +21%, not +138%.

20852: +138% since January 2000.

Montgomery County: +182% since January 2000.

Maryland: +180% since January 2000 — 20852 ran behind it by 42 points.

Owning the typical home costs about $3,453 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,306 a month.

Price divided by a year's rent: 19.1. 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 60 a month (Redfin, 3-month rolling data through August 2026). That is 89% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 169.

Going out — closed sales: about 49 a month. That is 73% of the 2015–2019 level for the same months. The drain is drawn 41% narrower: the share of homes for sale that sell each month is 59% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 49 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 89% 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).

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: 169 in June 2026.

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