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Silver Spring CDP, MD

ZIP 20901 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20901

Median Home Value
$571,300
Median Rent
$1,707
Affordability Snapshot
$157,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,670/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 20901 in Silver Spring CDP, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics

Historic housing stock (21% built before 1939)

Owner Occupied
69.1%+6% vs US avg
x
Vacancy Rate
2.1%-80% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
21.0%+64% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
28.7%-42% vs US avg
x
Mortgage-Free
24.6%-36% vs US avg
x
$571,300
Home Value
$1,707
Rent
1957
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached62.0%
  • 1-unit attached10.1%
  • 2-9 units9.7%
  • 10+ units18.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$571,300
Median rent$1,707
Owner-occupied69.1%
Vacant2.1%
Price-to-income4.5x
Est. income to buy$157,000