HousingHandbookReference data

U.S. ZIP Code · MD20860

Montgomery County · Washington-Arlington-Alexandria, DC-VA-MD-WV

Typical home value

$824,488[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-1.7%
5-year / yr
+3.0%
10-year / yr
+3.5%

Relative price

vs U.S.
+190.2%
vs metro
+40.4%
vs state
+83.0%
ZIP 20860 location in MD
Location of ZIP 20860 in MD

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 20860 is worth $824,488 — 40.4% above the Washington-Arlington-Alexandria, DC-VA-MD-WV median. Over the past year, values have fallen 1.7%. The effective property tax rate is 1.1%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.1%[3]
Typical annual tax
$8,896[3]

#Climate risk

FEMA National Risk Index ratings for Montgomery County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively High
Coastal flood
Very Low
Wildfire
Very Low
Drought
Relatively Moderate
Heat wave
Relatively High
Hurricane
Relatively Moderate
Tornado
Relatively Moderate
Earthquake
Relatively Moderate
Winter weather
Very High

#Who lives here

Population
2,035[3]
Median household income
[3]

#Migration

Household moves in and out of Montgomery County over a year, from IRS tax-return data.

Net migration
-6,074[5]
Moved in
26,379
Moved out
32,453

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
2
Elementary
1
Middle
0
High
1
  • Sherwood High

    High · Grades 9–12 · Montgomery County Public Schools

    1,693 students

  • Sherwood Elementary

    Elementary · Grades PK–5 · Montgomery County Public Schools

    520 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$4,169
Loan principal$659,590
Down payment$164,898
Total interest paid$841,271

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$5,598
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
38th percentile[1]
Rental yield
[2]
Property tax
91st percentile[3]

Frequently asked

How much is a home worth in ZIP code 20860?
The typical home in 20860 is worth $824,488, based on the Zillow Home Value Index.
Are home values rising in 20860?
Home values in 20860 are down 1.7% over the past year, and up 3.0% a year over five years.
What is the property tax rate in 20860?
The effective property tax rate in 20860 is 1.1% — roughly $8,896 a year on a typical home.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • South Kensington CDP, MD

    Typical home
    $824,472
    Gross yield
    5.1%
  • Alexandria, VA

    Typical home
    $824,330
    Gross yield
    3.1%
  • Franklin Farm CDP, VA

    Typical home
    $824,934
    Gross yield
    3.5%
  • Olney CDP, MD

    Typical home
    $823,754
    Gross yield
  • New Baltimore CDP, VA

    Typical home
    $822,415
    Gross yield
  • Braddock CDP, VA

    Typical home
    $827,713
    Gross yield
    3.5%

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