HousingHandbookReference data

U.S. ZIP Code · MD20866

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

Typical home value

$467,117[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-2.2%
5-year / yr
+2.8%
10-year / yr
+4.0%

Relative price

vs U.S.
+64.4%
vs metro
-20.4%
vs state
+3.7%
ZIP 20866 location in MD
Location of ZIP 20866 in MD

Price history

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

The typical home in 20866 is worth $467,117 — 20.4% below the Washington-Arlington-Alexandria, DC-VA-MD-WV median. Over the past year, values have fallen 2.2%. Homes here rent for a typical $2,340 a month — a 6.0% gross rental yield. The effective property tax rate is 0.9%.

#Rent & investment

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

Monthly rent
$2,340[2]
Gross yield
6.0%[2]
Cap rate
3.6%[2]

#Property tax

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

Effective tax rate
0.9%[3]
Typical annual tax
$4,016[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
15,986[3]
Median household income
$140,308[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
3
Elementary
1
Middle
1
High
1
  • Paint Branch High

    High · Grades 9–12 · Montgomery County Public Schools

    2,115 students

  • Benjamin Banneker Middle

    Middle · Grades 6–8 · Montgomery County Public Schools

    776 students

  • Burtonsville Elementary

    Elementary · Grades K–5 · Montgomery County Public Schools

    609 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 yield6.0%
Net yield (after ~40% expenses)3.6%
Annual rent$28,075

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$2,362
Loan principal$373,694
Down payment$93,423
Total interest paid$476,626

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 ratio1.32
Monthly cost to own$3,086
Monthly rent$2,340

Renting is meaningfully cheaper month-to-month.

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
29th percentile[1]
Rental yield
84th percentile[2]
Property tax
52nd percentile[3]

Frequently asked

How much is a home worth in ZIP code 20866?
The typical home in 20866 is worth $467,117, based on the Zillow Home Value Index.
Are home values rising in 20866?
Home values in 20866 are down 2.2% over the past year, and up 2.8% a year over five years.
What is the typical rent in 20866?
A typical home in 20866 rents for about $2,340 a month, a gross rental yield of 6.0%.
What is the property tax rate in 20866?
The effective property tax rate in 20866 is 0.9% — roughly $4,016 a year on a typical home.
Who lives in 20866?
ZIP code 20866 has a population of 15,986 and a median household income of $140,308.

#Comparable ZIPs

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

  • Bowie, MD

    Typical home
    $467,844
    Gross yield
    6.0%
  • Frederick, MD

    Typical home
    $464,729
    Gross yield
    5.1%
  • Fredericksburg, VA

    Typical home
    $469,545
    Gross yield
    5.2%
  • Brock Hall CDP, MD

    Typical home
    $469,685
    Gross yield
    5.5%
  • WV

    Typical home
    $464,365
    Gross yield
  • Garretts Mill CDP, MD

    Typical home
    $464,175
    Gross yield

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