City of Gaithersburg
Fast Facts:
- Gaithersburg was home to 70,686 people and had 28,620 housing units in 2024. Since 2010, Gaithersburg has added an average of 800 people and 400 housing units per year.
- Forty-nine percent of households were renters and 49 percent of renters had unaffordable housing costs.
- Gaithersburg did not meet the annual production target of 290 units. Cumulatively, Gaithersburg has produced at least 850 units since 2020, short of its 6-year target of 1,740.
Policy Status
Solving the region's affordable housing crisis requires a portfolio of policies to preserve existing affordable housing, produce more housing, and protect people from discrimination and displacement.
Right of First Refusal
- Adopted: City of Gaithersburg
Preservation Inventory - Subsidized
- Not adopted: City of Gaithersburg
Preservation Inventory - Unsubsidized
- Not adopted: City of Gaithersburg
Rental Assistance Demonstration
- Not adopted: City of Gaithersburg
Energy Efficiency Upgrades for Homeowners
- Adopted: City of Gaithersburg
Energy Efficiency Upgrades of Affordable Housing
- Adopted: City of Gaithersburg
Housing Outcomes
Local jurisdictions submitted data to enable the region to track housing production, preservation, and rental affordability.
Amount of Housing
Number of units built by type
Affordability of Housing
Share of units affordable to households with low incomes
Accessibility of Housing
Share of affordable units in COG Activity Centers or near high-capacity transit
Housing Cost: Lowest
Units built affordable to households with incomes 0-29.9% of area median
Housing Cost: Low
Units built affordable to households with incomes 30-49.9% of area median
Housing Cost: Low-Middle
Units built affordable to households with incomes 50-79.9% of area median
Building Permits for New Construction
Number of units permitted by type
Affordable Housing in Development
Number of units
Affordable Housing Preservation
Number of units preserved as committed affordable by type
Structural Racism
Discriminatory actions and racist public policies have produced inequitable outcomes for Black, Indigenous, and people of color in the Washington region, including lower incomes and wealth, lower homeownership rates, and higher rates of housing cost burden.
Homebuying
Share of mortgage originations by race and ethnicity, 2024
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. For mortgages with an applicant and a co-applicant, if they identify the same way they are captured in that category, otherwise if they have different identities they would be included in the Indigenous or Multiple race category.
Source: Home Mortgage Disclosure Act
Credit Denials
Ratio of denial rates for mortgages between white borrowers and borrowers of color, 2024
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Note: If White borrowers and borrowers of Color were denied mortgages at the same rate we would expect to see a ratio equal to 1. Values under 1 indicate that borrowers of Color have higher denial rates than White borrowers.
Source: Home Mortgage Disclosure Act
Housing Context
Understanding how household incomes relate to the supply of affordable rental and homeownership units will inform jurisdictions' efforts to meet the current and future housing needs of residents.
Affordable Homebuying
Share of mortgage originations to households with moderate incomes and below, 2024
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Source: Home Mortgage Disclosure Act
Elected Officials
Equity Officer
Hazel Monae
Racial Equity, Diversity and Inclusion Program Manager
Housing Official
Maureen Walker
Housing and Community Development Manager
