ZIP Code 20901 — Silver Spring CDP, MD Demographics & Data

ZIP code 20901 covers Silver Spring, MD in Montgomery County with a population of about 37,338.

At a glance, the area shows median age of 39.7 (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.

Silver Spring, MD sits in a university / college context (near yeshiva college of the nations capital (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 20901 is about $127,133 — about 69% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.0%; unemployment rate near 5.7%; 56.4% of adults with a bachelor’s degree or higher (about 22.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Public administration; about 25.8% of workers reporting work-from-home (about 10.6 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 $571,300 — about 64% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,707 (about 47% above the U.S. median rent ($1,163)), and owner-occupancy near 69.1% (about 3.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20901 in Silver Spring, MD, a household would need roughly $157,000 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 $3,670. That is about 23% above the local median household income ($127,133), 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 Silver Spring 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 Silver Spring 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 2,194 for ZIP 20901 (Silver Spring 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.