Zip lookup · MD

20877
Gaithersburg, Maryland.

Gaithersburg, Montgomery County, MD · Washington-Arlington-Alexandria, DC-VA-MD-WV metro · population 38,546

What it costs per month · 20877 $2,455/mo

to buy the typical home at today's mortgage rate — +$1,112 (+83%) since Jan 2020.

What the home itself did
1 year
Down $9,009 -2%
$476,770$467,760 since Sep 2025
5 years
Up $46,040 +11%
$421,720$467,760 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.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 20877 $2,455 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 20877$2,455
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 33 years.

Typical home values in zip 20877 fell 1.9% over the past year — slower than the nation's +1.2%.

Asking rents in zip 20877 rose 1.5% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 20877 runs $1,242/mo more than renting one. The gap peaked at $1,405 in Jan 2025.

That is $3,293 a month against $2,051 rent: a $2,455 mortgage payment, plus $337 property tax and $501 insurance & upkeep.

Owning vs renting — zip 20877

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.

$1,500 $2,000 $2,500 $3,000 $3,500 2021 2022 2023 2024 2025 2026 Owning all in $3,293 Renting $2,051 Mortgage only $2,455
$1,500 $2,000 $2,500 $3,000 $3,500 2022 2024 2026
  • Owning all in$3,293
  • Renting$2,051
  • Mortgage only$2,455

Property tax · $337/mo 0.87% of value a year — the ACS 2020-2024 median bill over the median home value for Montgomery County, MD

Insurance & upkeep · $501/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.

Zillow also publishes an index for the city itself: Gaithersburg, MD — measured over the city limits, which is a different area from this zip.

Asking rent $2,051 as of Sep 2026
+1.5%year on year
Typical home value $467,760 as of Sep 2026
-1.9%year on year

Asking rent — 20877

Against the Washington-Arlington-Alexandria, DC-VA-MD-WV metro and the national benchmark.

$1,500 $1,750 $2,000 $2,250 2021 2022 2023 2024 2025 2026 20877 $2,051 Washington $2,407 United States $1,932
$1,500 $1,750 $2,000 $2,250 2022 2024 2026
  • 20877$2,051
  • Washington$2,407
  • United States$1,932

Typical home value — 20877

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 20877 $467,760 Washington $569,857 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • 20877$467,760
  • Washington$569,857
  • United States$366,157

Within 20 miles

Showing 30 of 122 zips in range — sorting picks from all 122.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
0.8 20880 Washington Grove 577 — $610,898
2.2 20879 Gaithersburg 25,264 $1,995 $433,074
2.7 20886 Montgomery Village 34,718 $2,415 $381,090
3.0 20855 Derwood 17,279 $2,493 $673,748
3.5 20850 Rockville 50,353 $2,467 $670,975
3.7 20878 Gaithersburg 66,115 $2,384 $680,693
5.2 20876 Germantown 26,406 $2,121 $473,455
5.7 20851 Rockville 14,946 $2,558 $530,089
5.7 20853 Rockville 31,851 $3,057 $623,829
5.9 20874 Germantown 62,738 $1,994 $408,788
6.2 20832 Olney 25,553 $2,813 $650,557
6.7 20882 Gaithersburg 13,751 — $785,756
7.1 20852 Rockville 48,180 $2,295 $529,391
7.6 20854 Potomac 50,498 $4,302 $1,262,996
8.0 20841 Boyds 9,969 — $822,871
8.0 20906 Silver Spring 70,595 $1,979 $436,799
8.4 20833 Brookeville 7,860 — $801,829
8.5 20860 Sandy Spring 2,035 — $804,824
8.9 20896 Garrett Park 932 — $1,042,674
9.5 20862 Brinklow 430 — $900,452
9.6 20871 Clarksburg 30,182 $3,062 $624,133
9.9 20895 Kensington 19,184 $3,111 $790,306
10.1 20817 Bethesda 37,454 $3,077 $1,281,391
10.2 20861 Ashton 2,890 — $946,555
10.3 20902 Silver Spring 54,261 $2,078 $529,256
10.4 20814 Bethesda 32,795 $2,852 $762,088
10.5 20872 Damascus 13,983 — $540,987
10.8 20905 Silver Spring 19,004 $2,658 $665,546
10.9 22066 Great Falls 17,185 $4,921 $1,674,485
11.4 20838 Barnesville 306 — $704,561

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.