The story of this market
The typical home in ZIP 20876 sells for about $525,000, or $315 per square foot.
Prices are up +3.5% from a year ago, so sellers still have some momentum. Homes take about 18 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $2,109 a month.
ZIP 20876 — Germantown
The Germantown housing market remains stable with moderate price appreciation and consistent demand from professional commuters. Low inventory levels continue to support pricing, though buyers are increasingly sensitive to interest rate fluctuations. The area's strong employment base in the biotech sector provides a solid foundation for long-term market health.
This ZIP is ideal for families and professionals seeking a balance between suburban living and access to major employment hubs, offering a mix of townhomes and single-family residences.
Median prices moved up 3.5% year over year.
Homes spend a median of 18 days on market with 2.1 months of supply — a fast-moving market.
22% of listings have cut prices · homes sell at 100.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.5% · poverty 9.8% — a stable, low-distress profile.
Built from 268 recorded sales in the last 24 months against HUD 3-bedroom fair market rents. The location premium is the part of the price that rent, income, education, employment, vacancy, price trend, hazard, lending and flood risk don't explain. It usually reflects amenities, schools and scarcity. It's area context and does not change this ZIP's home value estimates.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 20876, Montgomery County MD
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Germantown are generally lower than the national average, with property crime being the primary concern; trends remain stable compared to regional Montgomery County benchmarks.
Schools serving the 20876 area are part of the Montgomery County Public Schools system, which is highly regarded for its academic performance and diverse student support programs.
The area faces moderate risk from severe thunderstorms and occasional flooding in low-lying areas, though wildfire risk is minimal; property insurance remains stable but reflects regional climate-related premium adjustments.
Germantown benefits from its proximity to the I-270 technology corridor, with significant employment anchors in biotechnology and federal research; ongoing mixed-use development continues to densify the town center.
Property taxes are levied by Montgomery County and the State of Maryland, with additional special district taxes for local infrastructure and services; the county utilizes a base rate applied to the assessed value determined by the state's assessment office.
Residents primarily commute via I-270 toward Rockville, Bethesda, and Washington, D.C., with access to the MARC train and local bus transit options.
The area features extensive green space including Black Hill Regional Park and Seneca Creek State Park, offering trails, boating, and picnic areas, alongside local shopping centers like Germantown Town Center.
The rental market is competitive with low vacancy rates, driven by demand from professionals working in the nearby biotech hubs; short-term rental activity is regulated by county ordinances.
The economy is anchored by the biotechnology and life sciences sector, with major employers including federal agencies and private research firms along the I-270 corridor.
The area is served by the I-270 highway corridor and the MARC train system, providing critical transit links to the broader Washington, D.C. metropolitan area.
Development is focused on transit-oriented projects near the Germantown MARC station and the continued revitalization of the town center.
The Montgomery County Department of Finance and the State Department of Assessments and Taxation manage property valuations and tax billing.
Parcels are subject to Montgomery County property taxes, with specific levies for school districts, fire/rescue services, and local utility districts.
Property insurance premiums are influenced by regional weather patterns, with standard coverage for wind and storm damage being typical for the area.
Maryland has seen stable domestic migration patterns with a focus on suburban growth in the D.C. metro area.
Maryland is a judicial foreclosure state, requiring court oversight for the foreclosure process.
Maryland law requires sellers to provide a residential property disclosure statement covering the condition of the home's major systems.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Lake Fairfax Park4.617.5 mi
- Adventure Park USA4.112.4 mi
- Sky Zone Trampoline Park4.16.5 mi
- Dave & Buster's Gaithersburg4.36.4 mi
- The Adventure Park at Sandy Spring4.811.9 mi
- Merriweather Post Pavilion4.519.6 mi
- Butler's Orchard4.61.2 mi
- The Fillmore Silver Spring4.417.9 mi
- Topgolf Loudoun4.415.7 mi
- Wolf Trap National Park for the Performing Arts4.818.5 mi
- Glenstone4.79.9 mi
- AMC Rio Cinemas 1846.4 mi
- Seneca Creek State Park4.74.4 mi
- Black Hill Regional Park4.83.6 mi
- Adventure Park USA4.112.4 mi
- Glenstone4.79.9 mi
- Glen Echo Park4.617.2 mi
- Adventure Park USA4.112.4 mi
- AFI Silver Theatre and Cultural Center4.818 mi
- Rock Creek Park Nature Center and Planetarium4.519.4 mi
- Seneca Creek State Park4.74.4 mi
- Black Hill Regional Park4.83.6 mi
- Cabin John Ice Rink4.412.8 mi
- Adventure Park USA4.112.4 mi
- The Adventure Park at Sandy Spring4.811.9 mi
- Topgolf Germantown4.32 mi
- Trump National Golf Club Washington DC412.3 mi
- Needwood Golf Course4.37.6 mi
- Blue Mash Golf Course4.36.1 mi
- Whiskey Creek Golf Club4.611.7 mi
- Clarksburg Premium Outlets4.43.5 mi
- Butler's Orchard4.61.2 mi
- Rio Gaithersburg4.86.2 mi
- Pike & Rose4.512.3 mi
- rio4.66.3 mi
- Dulles International Airport4.121.3 mi
- Ronald Reagan Washington National Airport4.226.5 mi
- Baltimore/Washington International Thurgood Marshall Airport4.330.1 mi
- Capital One Lounge at IAD4.321 mi
- The Club BWI3.930.2 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Large regional park with lake access and extensive hiking trails.
Central hub for local retail, dining, and community services.
Major regional sports facility hosting tournaments and local leagues.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.