Best Places20895, MD Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 20895, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
20895 ranks 2,224th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on high incomes by a wide margin, and taxes are the weak spot.
The best neighborhoods in 20895
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
20895's strengths and weaknesses
Where 20895 ranks high
- Household income$181,230 median, better than 98% of zip codes
- Educational attainmentBetter than 98% of zip codes
- Health outlookBetter than 96% of zip codes
- Cost of living vs incomeBetter than 95% of zip codes
- Big-city accessBetter than 94% of zip codes
Where 20895 ranks low
- Low income/sales/gas taxBetter than only 1% of zip codes
- Cheap childcare$1,745 a month, better than only 2% of zip codes
- State infrastructureBetter than only 6% of zip codes
- State fiscal healthBetter than only 10% of zip codes
- Crime safetyBetter than only 12% of zip codes
What it costs to buy a home in 20895
A household needs to earn about $218,000 a year to comfortably buy the median 20895 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $181,230, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 20895's effective rate of 0.84%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 20895
20895 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 20895.
Who works in 20895, and how
Work in 20895 centers on professional & technical and public administration. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 54%
- Work from home 34%
- Transit, walk, or bike 11%
Life in 20895
The coast is about 36 minutes away. Distance to the water changes a lot across 20895, which the map shows.
What the weather is like in 20895, month by month
20895 sees roughly 68 pleasant days a year. July highs average about 90 degrees. January highs sit near 45, with lows near 28. The comfortable stretch runs April through June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 45° | 36° | 28° |
| April | 68° | 57° | 46° |
| July | 90° | 80° | 70° |
| October | 70° | 59° | 50° |
Flying in and out of 20895
Ronald Reagan Washington Ntl sits about 12 miles away. It is a large hub and boarded 12.0 million passengers in 2025, with 128 nonstop destinations.
The best schools in and around 20895
Schools across 20895 average a B, better than 70% of zip codes.
Top elementary schools
- Kensington Parkwood ElementaryA− · 58% proficient
- North Chevy Chase ElementaryB · 49% proficient
- Garrett Park ElementaryB · 49% proficient
Top middle schools
- North Bethesda MiddleA · 59% proficient
- Westland MiddleA− · 53% proficient
- Tilden MiddleB · 47% proficient
Top high schools
- Walter Johnson HighA · 79% proficient
- Bethesda-chevy Chase HighA · 75% proficient
- Albert Einstein HighC · 35% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 20895 school and its grade on SchoolGrade.
20895 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 20895 against the other 33,109 zip codes.
Common questions about living in 20895
Is 20895 a good place to live?
Using BestNeighborhood's default rankings, 20895 ranks 2,224th of 33,110 zip codes. It scores highest on high incomes, an educated workforce, and population health, and lowest on taxes and childcare costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 20895 expensive to live in?
The median home is worth $827,720. The overall cost of living runs about 33% above the national average. Set against a $181,230 median income, cost of living beats 95% of zip codes.
Is 20895 safe?
20895 is safer than 12% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $613 per resident a year.
Compare 20895 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 20895. Scores are absolute rather than ranked, which means a 60 in 20895 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
20895 detail on BestNeighborhood maps:
- Walk Grade for 20895: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 20895: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 20895: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 20895: carrier by carrier coverage behind the cell score.
20895 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.