States · Maryland · Montgomery County

Bethesda, Maryland.

Typical home $1,126,394 (+1.3% in a year), asking rent $2,971 (+0.9%). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.

What it costs per month · Bethesda $5,912/mo

to buy the typical home at today's mortgage rate — +$2,779 (+89%) since Jan 2020.

What the home itself did
1 year
Up $14,399 +1%
$1,111,995$1,126,394 since Sep 2025
5 years
Up $127,297 +13%
$999,097$1,126,394 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$2,000 $4,000 $6,000 2002 2006 2010 2014 2018 2022 2026 Bethesda $5,912 Maryland $2,230 United States $1,922
$2,000 $4,000 $6,000 2002 2010 2018 2026
  • Bethesda$5,912
  • Maryland$2,230
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 29 years.

Typical home values in Bethesda, MD rose 1.3% over the past year — in step with the nation.

Asking rents in Bethesda, MD rose 0.9% over the past year — slower than the nation's +2.7%.

Owning the typical home in Bethesda runs $4,959/mo more than renting one. The gap peaked at $5,059 in May 2025.

That is $7,930 a month against $2,971 rent: a $5,912 mortgage payment, plus $812 property tax and $1,206 insurance & upkeep.

Owning vs renting — Bethesda

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$2,000 $4,000 $6,000 $8,000 2018 2020 2022 2024 2026 Owning all in $7,930 Renting $2,971 Mortgage only $5,912
$2,000 $4,000 $6,000 $8,000 2018 2022 2026
  • Owning all in$7,930
  • Renting$2,971
  • Mortgage only$5,912

Property tax · $812/mo 0.87% of value a year — the ACS 2020-2024 median bill over the median home value for Montgomery County, MD

Insurance & upkeep · $1,206/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Living in Bethesda, Montgomery County, Maryland

Bethesda, in Montgomery County, had 68,056 people in the 2020 census. Half its households earn more than $192,237 a year and half less, against $132,450 across Montgomery County; 4% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Montgomery County was 3.5% in August 2026, and the county had 1.3% fewer jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.

People 68,056 in the 2020 census; median age 42.8
Household income $192,237 the median, give or take $6,260 · Montgomery County: $132,450
Unemployment 3.5% Montgomery County, August 2026; 4.2% a year before
Homes 64% lived in by their owners; 36% rented

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Bethesda is a community where people tend to be older than in the typical American town, and nearly all adults hold a four-year degree. Household incomes run well above the county's, and very few residents live below the poverty line. Most homes are lived in by their owners, though renting is far from rare, and both buying and renting cost a great deal. Winters are cold, with a little snow, while summers are hot, and rain falls fairly steadily through the year.

Work. Residents work mostly in professional and business services, in schools, hospitals and social care, in government, and in banking, insurance and property. The largest workplaces in Bethesda include the National Institutes of Health, Suburban Hospital and the Centers for Medicare & Medicaid Services. Unemployment across Montgomery County is lower than it was a year earlier, though the county has fewer jobs than it did the year before. Commutes are fairly short, and a large share of residents work from home.

Things to do. Washington's best-known sights are a short drive away. The National Mall is a long park lined with monuments and museums, and the Smithsonian Institution's museums, including the National Air and Space Museum, are close by. The National Zoological Park is also a short drive from town.

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  • 27,937households
  • 87%of adults have a degree
  • 4%below the poverty line
  • 28 mintypical commute
  • 38%work from home

What residents work in

  • Professional and business services29%
  • Schools, hospitals and social care22%
  • Government14%
  • Banks, insurance and property10%
  • Restaurants, hotels and entertainment5%
  • Other services5%

Employed residents by industry, from the Census survey. Montgomery County had 456,358 jobs in 2025, 1.3% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 43° and 26°; warmest in July, 88° and 68° 20° 40° 60° 80° J 43° 26° F M A M J J 88° 68° A S O N D
Average daily high and low for each month: coldest in January, 43° and 26°; warmest in July, 88° and 68° 20° 40° 60° 80° J 43° 26° F M A M J J 88° 68° A S O N D

Coldest in January, with highs near 43° and lows near 26°; warmest in July, with highs near 88° and lows near 68°. About 6 inches of snow and 49 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Dalecarlia Rsvr weather station, 3 miles away (NOAA).

Largest workplaces in Bethesda

  1. National Institutes of HealthFederal government · Department of Health and Human Services10,506
  2. RedJanitorial services, aircraft5,979
  3. Suburban HospitalGeneral hospital1,570FTE
  4. Datawatch SystemsSecurity alarm systems sales combined with installation, repair, or monitoring services325
  5. Centers for Medicare & Medicaid ServicesFederal government · Department of Health and Human Services265
  6. Sunrise Senior Living, LLC.Assisted living219
  7. Genco MasonryMasonry contractors206
  8. Donohoe Construction CompanyApartment building construction general contractors200

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 35 workplaces with 20 or more staff, 12,440 people in all. Federal offices come from OPM's federal workforce data (2026) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Winter weatherRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bethesda’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Montgomery County and the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.

Bethesda home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$250,000 $500,000 $750,000 $1,000,000 2018 2020 2022 2024 2026 Bethesda $1,126,394 Maryland $424,890 United States $366,157
$250,000 $500,000 $750,000 $1,000,000 2018 2022 2026
  • Bethesda$1,126,394
  • Maryland$424,890
  • United States$366,157
Property tax, 2026 roll $11,420/yr median bill inside Bethesda, effective 0.96% of estimated value — current assessment rolls, AssessorSearch Data Lab, quality-gated against the county's official figures

Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.

Sellers are cutting prices on about 1 in 4 Bethesda listings, and the typical home goes pending in 28 days — the market is roughly in balance.

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

10% 20% 30% 2018 2019 2020 2021 2022 2023 2024 2025 2026 Bethesda 25.85% United States 26.90%
10% 20% 30% 2018 2022 2026
  • Bethesda25.85%
  • United States26.90%

Days to pending

How long the typical listing takes to go under contract.

10 20 30 40 50 2018 2019 2020 2021 2022 2023 2024 2025 2026 Bethesda 28 United States 27
10 20 30 40 50 2018 2022 2026
  • Bethesda28
  • United States27

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

100 200 300 2018 2019 2020 2021 2022 2023 2024 2025 2026 Bethesda 286
100 200 300 2018 2022 2026
  • Bethesda286

New listings per month

Sellers arriving at the market.

50 100 150 2018 2019 2020 2021 2022 2023 2024 2025 2026 Bethesda 89
50 100 150 2018 2022 2026
  • Bethesda89

Median sale price

What buyers actually paid — closed sales, not asking prices.

$250,000 $500,000 $750,000 $1,000,000 $1,250,000 2018 2019 2020 2021 2022 2023 2024 2025 2026 Bethesda $1,088,181 United States $371,407
$250,000 $500,000 $750,000 $1,000,000 $1,250,000 2018 2022 2026
  • Bethesda$1,088,181
  • United States$371,407

Sale-to-list ratio

Above 100%, homes sell over asking; below, buyers negotiate wins.

97.5% 100.0% 102.5% 105.0% 2018 2019 2020 2021 2022 2023 2024 2025 2026 Bethesda 98.38%
97.5% 100.0% 102.5% 105.0% 2018 2022 2026
  • Bethesda98.38%

Zip codes with a Bethesda address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bethesda — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Bethesda