ZIP Code 20904 — Colesville CDP, MD Demographics & Data

ZIP code 20904 covers Colesville, MD in Montgomery County with a population of about 57,244.

At a glance, the area shows median age of 40.1 (near the U.S. median).

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

Median household income in ZIP 20904 is about $93,322 — about 24% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 5.9%; 49.5% of adults with a bachelor’s degree or higher (about 15.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Public administration; about 18.5% of workers reporting work-from-home (about 3.3 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 $533,500 — about 53% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,808 (about 55% above the U.S. median rent ($1,163)), and owner-occupancy near 51.0% (about 14.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20904 in Colesville, MD, a household would need roughly $147,000 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 $3,427. That is about 58% above the local median household income ($93,322), so the median earner would likely stretch or need a larger down payment. 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 Colesville CDP, 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 Colesville CDP, MD show little to no average snow and around 44.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,363 for ZIP 20904 (Colesville CDP, 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.