How much is a home worth in ZIP code 20895?

The typical home in 20895 is worth $824,472, based on the Zillow Home Value Index.

Are home values rising in 20895?

Home values in 20895 are down 1.8% over the past year, and up 2.5% a year over five years.

What is the typical rent in 20895?

A typical home in 20895 rents for about $3,516 a month, a gross rental yield of 5.1%.

What is the property tax rate in 20895?

The effective property tax rate in 20895 is 0.8% — roughly $6,701 a year on a typical home.

ZIP code 20895 has a population of 19,184 and a median household income of $173,625.

HousingHandbookReference data

…

U.S. ZIP Code · MD20895

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

Typical home value

$824,472^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -1.8%
5-year / yr: +2.5%
10-year / yr: +3.2%

Relative price

vs U.S.: +190.2%
vs metro: +40.4%
vs state: +83.0%

Price history

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

The typical home in 20895 is worth $824,472 — 40.4% above the Washington-Arlington-Alexandria, DC-VA-MD-WV median. Over the past year, values have fallen 1.8%. Homes here rent for a typical $3,516 a month — a 5.1% gross rental yield. The effective property tax rate is 0.8%.

#Rent & investment

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

Monthly rent: $3,516^[2]
Gross yield: 5.1%^[2]
Cap rate: 3.1%^[2]

#Property tax

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

Effective tax rate: 0.8%^[3]
Typical annual tax: $6,701^[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: 19,184^[3]
Median household income: $173,625^[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: 6
Elementary: 2
Middle: 2
High: 1

Albert Einstein High
High · Grades 9–12 · Montgomery County Public Schools
2,024 students
Silver Creek Middle
Middle · Grades 6–8 · Montgomery County Public Schools
766 students
Newport Mill Middle
Middle · Grades 6–8 · Montgomery County Public Schools
607 students
Rock View Elementary
Elementary · Grades PK–5 · Montgomery County Public Schools
570 students
Kensington Parkwood Elementary
Elementary · Grades K–5 · Montgomery County Public Schools
560 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.

Home value$Monthly rent$

Gross yield5.1%

Net yield (after ~40% expenses)3.1%

Annual rent$42,195

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.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$4,169

Loan principal$659,577

Down payment$164,894

Total interest paid$841,255

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.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.54

Monthly cost to own$5,413

Monthly rent$3,516

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: 24th percentile^[1]
Rental yield: 58th percentile^[2]
Property tax: 40th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 20895?: The typical home in 20895 is worth $824,472, based on the Zillow Home Value Index.
Are home values rising in 20895?: Home values in 20895 are down 1.8% over the past year, and up 2.5% a year over five years.
What is the typical rent in 20895?: A typical home in 20895 rents for about $3,516 a month, a gross rental yield of 5.1%.
What is the property tax rate in 20895?: The effective property tax rate in 20895 is 0.8% — roughly $6,701 a year on a typical home.
Who lives in 20895?: ZIP code 20895 has a population of 19,184 and a median household income of $173,625.

#Comparable ZIPs

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

20860 vs 20895 →
Ashton-Sandy Spring CDP, MD
Typical home
$824,488
Gross yield
—
22305 vs 20895 →
Alexandria, VA
Typical home
$824,330
Gross yield
3.1%
20171
Franklin Farm CDP, VA
Typical home
$824,934
Gross yield
3.5%
20833
Olney CDP, MD
Typical home
$823,754
Gross yield
—
20137
New Baltimore CDP, VA
Typical home
$822,415
Gross yield
—
22030
Braddock CDP, VA
Typical home
$827,713
Gross yield
3.5%

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

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Pit ZIP 20895 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · MD20895

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