ZIP 20874

20874 is one of 48 ZIP codes that lie mostly in Montgomery County, MD.

Shaded by typical home value, it ranks 35 of the 36 nearby ZIPs shown.

14 school locations in 20874: 8 elementary, 3 middle, 3 high.

In alphabetical order: Clopper Mill Elementary, Dr. Ronald E. McNair Elementary, Germantown Elementary, Great Seneca Creek Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 20874 was worth $149,318.

Values peaked at $427,439 in February 2025. The latest reading is −3.6% from that peak.

As of August 2026: $411,841, −2.3% over twelve months.

Start with the typical home: $411,841. Put 20% down and borrow $329,473 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,281 a month in principal and interest.

The median household here earns $109,648 a year, $9,137 a month. So the payment takes 25.0% 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 9.1% 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 $894.

In December 2020, with rates at 2.68%, it was $1,112.

By August 2026, at 6.67%, it was $2,119 — +90% since December 2020, while the home's value moved +20%.

Reported values rose +176% 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 $294,694. So the real change is +40%, not +176%.

20874: +176% since January 2000.

Montgomery County: +182% since January 2000.

Maryland: +180% since January 2000 — 20874 ran behind it by 5 points.

Owning the typical home costs about $2,693 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,048 a month.

Price divided by a year's rent: 16.8. 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 74 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 140. That is 74% of the 2015–2019 level for the same months.

Going out — closed sales: about 64 a month. That is 66% of the 2015–2019 level for the same months. The drain is drawn 7% narrower: the share of homes for sale that sell each month is 93% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.2 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 64 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 83 — so sales ran at 77% of it, and below it in 24 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: 140 in June 2026.

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