PlainZIP

Silver Spring, MD · standard

ZIP Code 20902

Montgomery County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

48,841
2,487/sq mi
$114,486
Median income
$551,200
Median home value
47.2%
Bachelor's or higher

The verdict

Silver Spring pairs an upper-quartile household income with upper-quartile home values, in a suburban-density, homeowner-dominated area.

Top 11%
household income, US ZIPs
Top 11%
home value, US ZIPs
2,487
people per sq mi
64%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20902 against every reporting US ZIP.

ZIP code 20902 is a densely settled ZIP (a standard USPS delivery area) in Silver Spring, Montgomery County, Maryland, with 48,841 residents across 19.6 square miles, a density of 2,487 people per square mile, in the New York time zone.

ZIP 20902 skews affluent, with a median household income of $114,486 (0% above the Maryland average), while per-capita income is $49,069. Local economic indicators show a 12.6% poverty rate alongside 6.0% unemployment. Housing costs here run $551,200 for a typical home value (23% above the state average), with rent averaging $2,116 a month; 64.4% of homes are owner-occupied.

A solid share of residents have a four-year degree: 47.2% of adults hold a bachelor's degree or higher, the median age is 36.6, and the average commute is 32 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Montgomery County, so you can benchmark 20902 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 20902

Top 5 sectors by establishment count in Silver Spring, MD

Which industries have the most business establishments in ZIP 20902.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20902, Silver Spring, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

48,841

Population

19.6

Area (sq mi)

2,487

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 20902?

36.6

Median Age

48.8%

Male

51.2%

Female

36.5%

Foreign-Born

White 33.8%
African American 17.1%
Asian 6.1%
American Indian or Alaska Native 0.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.1%
Hispanic or Latino 41.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$114,486

Median Household Income

+0% vs state

$49,069

Per Capita Income

12.6%

Poverty Rate

6.0%

Unemployment Rate

32.0 min

Mean Commute Time

How ZIP 20902 ranks nationally

Silver Spring, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$114,486 Top 11% higher than 89% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 62.2%
Bachelor's Degree or Higher 47.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

19,031

Total Housing Units

18,236

Occupied Units

795

Vacant Units

2.95

Avg Household Size

Occupancy Type

Owner 64.4%
Renter 35.6%

$551,200

Median Home Value

+23% vs state

$2,116

Median Rent

1963

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+1.7%

YoY Change (2024)

303

HPI Index (2000 = 100)

+203%

Total Change Since 2000

Home values in ZIP 20902 have increased 1.7% over the past year (2024). Since 2000, this ZIP has seen +203% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.9% 231
2021 +10.4% 256
2022 +9.5% 280
2023 +6.3% 297
2024 +1.7% 303

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,007 business establishments in ZIP 20902, employing approximately 8,945 people with a combined annual payroll of $423,332,000.

1,007

Businesses

8,945

Employees

$423.3M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 185 18.4%
Retail trade 138 13.7%
Professional, scientific, and technical services 133 13.2%
Construction 128 12.7%
Accommodation and food services 106 10.5%
Other services (except public administration) 86 8.5%
Administrative and support and waste management and remediation services 56 5.6%
Real estate and rental and leasing 41 4.1%
Educational services 33 3.3%
Finance and insurance 31 3.1%
Information 21 2.1%
Transportation and warehousing 15 1.5%
Wholesale trade 14 1.4%
Manufacturing 9 0.9%
Arts, entertainment, and recreation 6 0.6%
Industries not classified 3 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 20902 vs 20910 →

ZIP 20902 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 20902 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 20902 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 20902 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
20910 Silver Spring, MD 37,445 2.9 mi
20895 Kensington, MD 19,054 2.2 mi
20901 Silver Spring, MD 34,832 2.4 mi
20906 Silver Spring, MD 64,696 3.1 mi
20896 Garrett Park, MD 906 2.8 mi
20012 Washington, DC 13,414 4.6 mi
20903 Silver Spring, MD 23,625 3.6 mi
20904 Silver Spring, MD 54,612 3.7 mi
20852 Rockville, MD 40,365 4.5 mi
20015 Washington, DC 15,332 5.4 mi

More ZIP Codes in Montgomery County

20906 standard
Silver Spring, MD
Pop: 64,696
20878 standard
Gaithersburg, MD
Pop: 62,446
20874 standard
Germantown, MD
Pop: 57,367
20904 standard
Silver Spring, MD
Pop: 54,612
20854 standard
Potomac, MD
Pop: 49,611
20850 standard
Rockville, MD
Pop: 46,340

Related Areas

Montgomery County Silver Spring, MD Maryland

Frequently Asked Questions

What county is ZIP code 20902 in? ▼
ZIP code 20902 (Silver Spring) is located in Montgomery County, Maryland. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-md.
What is the population of ZIP code 20902? ▼
ZIP code 20902 in Silver Spring, MD has a population of 48,841 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20902? ▼
The median household income in ZIP 20902 is $114,486, which is 50% above the national average of $76,288.
What is the average home value in ZIP 20902? ▼
The median home value in ZIP 20902 is $551,200, which is 98% above the national average of $278,155.
What is the demographic makeup of ZIP 20902? ▼
The largest racial group in ZIP 20902 is White at 33.8%. Hispanic or Latino residents make up 41.0% of the population.
How many businesses are in ZIP code 20902? ▼
ZIP code 20902 has 1,007 business establishments employing approximately 8,945 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20902? ▼
The top industries by establishment count in ZIP 20902 are: Health care and social assistance (185), Retail trade (138), Professional, scientific, and technical services (133). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 20902? ▼
According to the FHFA House Price Index, home values in ZIP 20902 increased by 1.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 203%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 20902? ▼
In ZIP code 20902, 62.2% of residents aged 25+ have a high school diploma or higher, and 47.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 20902? ▼
The mean commute time for workers in ZIP code 20902 is 32.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 20902? ▼
In ZIP code 20902, approximately 64.4% of occupied housing units are owner-occupied and 35.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20902? ▼
The poverty rate in ZIP code 20902 is 12.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.