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Silver Spring CDP, MD

ZIP 20910 — 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 20910

Median Home Value
$690,900
Median Rent
$1,895
Affordability Snapshot
$190,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,438/mo PITI).

21%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

30.4 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 20910 in Silver Spring CDP, MD, a household would need roughly $190,000 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 $4,438. That is about 76% above the local median household income ($107,994), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
34.6%-47% vs US avg
x
Vacancy Rate
4.9%-52% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
24.0%-37% vs US avg
x
$690,900
Home Value
$1,895
Rent
1967
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached25.5%
  • 1-unit attached4.6%
  • 2-9 units7.1%
  • 10+ units62.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$690,900
Median rent$1,895
Owner-occupied34.6%
Vacant4.9%
Price-to-income6.4x
Est. income to buy$190,000