ZIP Code 20896 — Garrett Park town, MD Demographics & Data

ZIP code 20896 covers Garrett Park, MD in Montgomery County with a population of about 890.

At a glance, the area shows median age of 53.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-8; the WASHINGTON, DC (HAGRSTWN) media market.

Garrett Park, MD sits in a university / college context (near sans technology institute (1.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 20896 is about $250,001 — about 233% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.9%; unemployment rate near 2.4%; 88.4% of adults with a bachelor’s degree or higher (about 54.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Public administration, and Healthcare; about 53.5% of workers reporting work-from-home (about 38.3 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $994,200 — about 186% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,750 (about 136% above the U.S. median rent ($1,163)), and owner-occupancy near 95.0% (about 29.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20896 in Garrett Park, MD, a household would need roughly $274,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,386. That is roughly in line with the local median household income ($250,001). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Garrett Park town, MD as Relatively Moderate (composite score 91.7), which is among the highest nationally. The strongest component scores on US5 are flood (93.7) and hurricane (91.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Garrett Park town, MD show little to no average snow and around 41.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 52 for ZIP 20896 (Garrett Park town, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.