ZIP Code 20886: Population, Income, Housing

State: MD
Total population: 34,718 Household income: $98,542 Rent: $1,918

Overview

Total population
34,718
Rent
$1,918
Year built
1980
Household income
$98,542
Per capita income
$45,834
Poverty rate
12.8%
Unemployment rate
N/A
Household size
2.8 persons
Rent over 30% of income
66.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Maryland
County
Montgomery County
City
Montgomery Village
Total population
34,718
Adults over 25
24,138
Total households
12,441
Household size
2.8 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$98,542
Per capita income
$45,834
Poverty rate
12.8%
Unemployment rate
N/A
Rent over 30% of income
66.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,918
Year built
1980
Households that rent
31.1%
Households that own
68.9%
Rooms per home (all homes)
6.0

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
29%
Black
23.7%
Asian
14.6%
Two or more races
14.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
33.1%
Not Hispanic or Latino
66.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
14,413 (80.8%)
Commute time to work
34 mins
Work from home
3,432 (19.2%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
27.4%
High school graduate or GED
21.3%
Some college or associate degree
8%
Bachelor’s degree or higher
43.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 20886 with: Montgomery County, MD Washington metro area, DC-VA-MD-WV Maryland United States

ZIP 20886

Total population34,718
Rent$1,918
Year built1980
Household income$98,542
Per capita income$45,834
Poverty rate12.8%
Unemployment rateN/A

Montgomery County, MD

Total population1,065,949
Rent$2,068
Year built1980
Household income$132,450
Per capita income$67,571
Poverty rate7.5%
Unemployment rate2.4%

Washington Metro Area, DC-VA-MD-WV

Total population6,318,377
Rent$2,027
Year built1983
Household income$126,684
Per capita income$63,554
Poverty rate8.1%
Unemployment rate3%

Maryland State

Total population6,206,011
Rent$1,705
Year built1979
Household income$103,678
Per capita income$52,979
Poverty rate9.4%
Unemployment rate3%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP20886 CountyMontgomery, MDMetro AreaWashington metro area, DC-VA-MD-WVStateMarylandCountryUnited States
Total population34,7181,065,9496,318,3776,206,011334,922,499
Rent$1,918$2,068$2,027$1,705$1,413
Year built19801980198319791980
Household income$98,542$132,450$126,684$103,678$80,734
Per capita income$45,834$67,571$63,554$52,979$44,673
Poverty rate12.8%7.5%8.1%9.4%12.5%
Unemployment rateN/A2.4%3%3%4%

View the full multi-level comparison →

 

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Summary for 20886

Rent & Income

In 20886, the typical monthly rent is $1,918 and the typical household income is $98,542. Rent here is higher than Maryland, and household income is similar to Maryland. The estimated poverty rate is 12.8%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 31.1% of households. About 66.9% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is high, with about 43.3% of adults holding a bachelor’s degree or higher.

 

ZIP 20886 — Rent vs Household Income

 

 

ZIP 20886 — Poverty

 

 

How ZIP 20886 compares in Maryland (86 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,918 56 / 86 from lower rent $773 – $3,501
Household income $98,542 47 / 86 from higher income $38,409 – $250,001
Poverty rate 12.8% 63 / 86 from lower poverty 2.6% – 31.6%

Rankings are calculated among ZIP Codes in Maryland with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 20886

Rent

In terms of rental prices, this ZIP stands 56th out of 86 ZIP Codes in Maryland. Across Maryland, figures vary from $773 in ZIP 21502 up to $3,501 in ZIP 20854.

Household income

When comparing household incomes, ZIP Code 20886 stands 47th out of 86 ZIP Codes. Throughout Maryland, numbers span from $38,409 in ZIP 21217 up to $250,001 in ZIP 20854.

Poverty rate

Looking at poverty indicators, this ZIP stands 63rd out of 86 ZIP Codes. At the state level, values extend from 2.6% in ZIP 20854 up to 31.6% in ZIP 21217.

 

💰 Rent in ZIP Code 20886 (with Utilities)

Estimated Monthly Rent: $1,918 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 20886

Annual Household Income: $98,542

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 20886

Estimated Rate: 12.8%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 20886

In ZIP Code 20886, households that rent: 3,875 (31.1%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 3,875 31.1%
Owner-Occupied 8,566 68.9%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 20886

In ZIP Code 20886, cost-burdened renters (households spending over 30% of income on housing): 2,591 (66.9%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 2,591 66.9%
Other renter households 1,284 33.1%
Total renter households 3,875 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 20886

Less than High School: 6,615 people (27.4%)

Includes adults who did not complete high school.

High School Graduate or GED: 5,136 people (21.3%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 1,943 people (8%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 10,444 people (43.3%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 24,138

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.