PlainZIP

Silver Spring, MD · standard

ZIP Code 20904

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

54,612
1,540/sq mi
$96,025
Median income
$560,000
Median home value
50.3%
Bachelor's or higher

The verdict

Silver Spring pairs an upper-quartile household income with upper-quartile home values, in a low-density, mixed-tenure and unusually populous area.

Top 22%
household income, US ZIPs
Top 11%
home value, US ZIPs
1,540
people per sq mi
49%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20904 against every reporting US ZIP.

ZIP code 20904 is a densely settled ZIP (a standard USPS delivery area) in Silver Spring, Montgomery County, Maryland, with 54,612 residents across 35.5 square miles, a density of 1,540 people per square mile, in the New York time zone.

ZIP 20904 lands in the middle-income range, with a median household income of $96,025 (16% below the Maryland average), while per-capita income is $49,492. The poverty rate stands at 9.3% and the unemployment rate at 5.8%. Housing costs here run $560,000 for a typical home value (25% above the state average), with rent averaging $1,918 a month; 48.9% of homes are owner-occupied.

This is a highly-educated ZIP: 50.3% of adults hold a bachelor's degree or higher, the median age is 40.6, and the average commute is 33 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Montgomery County, letting you compare 20904 to its immediate surroundings rather than a national baseline 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 20904

Top 5 sectors by establishment count in Silver Spring, MD

Which industries have the most business establishments in ZIP 20904.

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 20904, 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

54,612

Population

35.5

Area (sq mi)

1,540

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 20904?

40.6

Median Age

48.1%

Male

51.9%

Female

39.2%

Foreign-Born

White 22.5%
African American 49.4%
Asian 10.1%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 8.6%
Hispanic or Latino 16.7%

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?

$96,025

Median Household Income

-16% vs state

$49,492

Per Capita Income

9.3%

Poverty Rate

5.8%

Unemployment Rate

32.7 min

Mean Commute Time

How ZIP 20904 ranks nationally

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

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

$96,025 Top 22% higher than 78% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 68.7%
Bachelor's Degree or Higher 50.3%

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

What does housing look like?

22,261

Total Housing Units

21,212

Occupied Units

1,049

Vacant Units

2.73

Avg Household Size

Occupancy Type

Owner 48.9%
Renter 51.1%

$560,000

Median Home Value

+25% vs state

$1,918

Median Rent

1983

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

+5.9%

YoY Change (2024)

264

HPI Index (2000 = 100)

+164%

Total Change Since 2000

Home values in ZIP 20904 have increased 5.9% over the past year (2024). Since 2000, this ZIP has seen +164% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.1% 198
2021 +8.7% 216
2022 +12.8% 243
2023 +2.5% 250
2024 +5.9% 264

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 970 business establishments in ZIP 20904, employing approximately 15,865 people with a combined annual payroll of $982,839,000.

970

Businesses

15,865

Employees

$982.8M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 202 20.8%
Professional, scientific, and technical services 130 13.4%
Construction 102 10.5%
Retail trade 99 10.2%
Other services (except public administration) 88 9.1%
Accommodation and food services 79 8.1%
Administrative and support and waste management and remediation services 64 6.6%
Real estate and rental and leasing 47 4.8%
Information 46 4.7%
Finance and insurance 44 4.5%
Educational services 16 1.6%
Manufacturing 12 1.2%
Arts, entertainment, and recreation 12 1.2%
Transportation and warehousing 10 1.0%
Wholesale trade 9 0.9%
Management of companies and enterprises 8 0.8%

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 20904 vs 20903 →

ZIP 20904 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 20904 ranks #2 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 20904 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 20904 ranks #9 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
20903 Silver Spring, MD 23,625 3.2 mi
20905 Silver Spring, MD 18,044 3.2 mi
20868 Spencerville, MD 790 4.1 mi
20901 Silver Spring, MD 34,832 3.5 mi
20783 Hyattsville, MD 44,487 4.7 mi
20902 Silver Spring, MD 48,841 3.7 mi
20866 Burtonsville, MD 13,344 3.9 mi
20906 Silver Spring, MD 64,696 4.4 mi
20705 Beltsville, MD 26,188 4.4 mi
20861 Ashton, MD 1,875 6.0 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
20854 standard
Potomac, MD
Pop: 49,611
20902 standard
Silver Spring, MD
Pop: 48,841
20850 standard
Rockville, MD
Pop: 46,340

Related Areas

Montgomery County Silver Spring, MD Maryland

Frequently Asked Questions

What county is ZIP code 20904 in? ▼
ZIP code 20904 (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 20904? ▼
ZIP code 20904 in Silver Spring, MD has a population of 54,612 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20904? ▼
The median household income in ZIP 20904 is $96,025, which is 26% above the national average of $76,288.
What is the average home value in ZIP 20904? ▼
The median home value in ZIP 20904 is $560,000, which is 101% above the national average of $278,155.
What is the demographic makeup of ZIP 20904? ▼
The largest racial group in ZIP 20904 is African American at 49.4%. Hispanic or Latino residents make up 16.7% of the population.
How many businesses are in ZIP code 20904? ▼
ZIP code 20904 has 970 business establishments employing approximately 15,865 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20904? ▼
The top industries by establishment count in ZIP 20904 are: Health care and social assistance (202), Professional, scientific, and technical services (130), Construction (102). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 20904? ▼
According to the FHFA House Price Index, home values in ZIP 20904 increased by 5.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 164%. 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 20904? ▼
In ZIP code 20904, 68.7% of residents aged 25+ have a high school diploma or higher, and 50.3% 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 20904? ▼
The mean commute time for workers in ZIP code 20904 is 32.7 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 20904? ▼
In ZIP code 20904, approximately 48.9% of occupied housing units are owner-occupied and 51.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20904? ▼
The poverty rate in ZIP code 20904 is 9.3% 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.