White Oak is an unincorporated community in Montgomery County, MD. It has no city government: the county runs it, and the Census counts it as its own place.

About

Life in White Oak

Living in White Oak means being part of a genuinely diverse, established community in Montgomery County where federal employment and research anchor the local economy—the FDA's Federal Research Center at White Oak is a major presence—but where your actual life revolves around much more than that. This is a densely populated urban neighborhood (over 4,600 people per square mile) wedged between Silver Spring and the rest of the county, so you're getting city density without a clear municipal government; many residents think of themselves as part of Silver Spring's extended neighborhoods, which shapes everything from how services work to your sense of community. The median household income sits around $83k with a median home value near $574k, and rentals averaging $1,784 a month—not cheap, but reasonable for the DC metro area and reflecting a stable market with low vacancy rates where people actually stay put.

White Oak at a Glance

Population, income, housing and more

Median Age

33.2 yrs

Poverty Rate

15.1%

Foreign-Born

48.4%

Broadband Internet

94.4%

of households

Population Growth

-13.5%

recent change · Census Bureau

Median household income

White Oak$83,370
Maryland avg$103,678
US$80,734

Demographics48.4% foreign-born, most often from Ethiopia

Who lives in White Oak: race and ethnicity, ages, households, languages and countries of origin

In White Oak, the largest foreign-born group is from Ethiopia (20.5%), and 19.8% of residents speak Other at home.

Under 18

24.1%

of residents

65 and Older

12.6%

of residents

Households with Kids

33.8%

anyone under 18

Living Alone

28.0%

of households

Married Couples

38.4%

of households

Avg Household Size

2.73

people

Race & Ethnicity

Black61.5%
Hispanic or Latino17.1%
White9.8%
Asian8.7%
Two or more races2.6%

Hispanic or Latino of any race; other groups are non-Hispanic

Top countries of origin (foreign-born)

Ethiopia20.5%
Cameroon18.0%
Guatemala5.8%
El Salvador5.0%
Dominican Republic4.2%
Ghana3.9%
Togo3.4%
Afghanistan3.1%
Other Middle Africa3.1%
Senegal2.7%

Languages Spoken at Home

English only43.2%
Other19.8%
Spanish15.5%
French/Haitian14.4%
Other Asian/Pacific2.1%
Other Indo-European2.1%
Tagalog/Filipino1.4%
Vietnamese0.6%

Cost of Livingrent 6% above MD average

Rent, home values, and income in White Oak

In White Oak, rent runs 6% above the MD average, and home values are 37% above the MD average.

Median rent (per month)

White Oak$1,808
Maryland avg$1,705
US$1,413

Median home value

White Oak$574,000
Maryland avg$419,900
US$332,700

Rent Burdened

53.3%

spending 30%+ of income on rent

Severely Rent Burdened

32.7%

spending 50%+

Cost of Living Index

108.9

metro area (BEA) · US avg = 100

Median Property Tax

$4,614

per year, owner-occupied homes

Homeowners

25.7%

of occupied homes are owned

Typical Home Built

1974

median year built

Vacant Homes

1.1%

of housing units

Jobs & Economyunemployment about average for MD

Unemployment in White Oak and typical pay across the metro area

Unemployment in Montgomery County, which includes White Oak, is close to the MD average.

Unemployment rate

White Oak3.7%
Maryland avg4.0%
US4.3%

White Oak: Montgomery County rate (county-wide) · BLS annual average

Unemployment Rate — 10 Year Trend

3.2%
3.1%
2.9%
2.7%
5.9%
4.8%
2.6%
1.9%
2.8%
3.7%
2016201720182019202020212022202320242025

Montgomery County (county-wide) · Annual averages

White Oak is about 2% of Montgomery County’s population, so county-wide figures may differ from local conditions.

What White Oak Residents Do for Work · share of employed residents by industry

Education & health care28.0%
Professional & business services17.3%
Transportation & utilities10.2%
Retail8.3%
Arts, hospitality & food service8.2%
Other services6.5%
Public administration5.9%
Finance & real estate5.4%

City residents, wherever they work

Median Salary by Occupation · metro area

Management$154,420
Computer & Math$129,790
Business & Finance$101,420
Healthcare$96,680
Education$64,110
Construction$58,650
Office & Admin$48,960
Transportation$43,540

Washington-Arlington-Alexandria, DC-VA-MD-WV metro area

Commute34.3 min avg

How White Oak residents get to work, and the nearest airports

In White Oak, most residents drive alone to work (59%), and 42% get there in under 30 minutes.

How People Get to Work

Drive alone59.3%
Carpool10.1%
Public transit10.9%
Walk0.0%
Work from home15.2%
Other4.6%

Commute Time Distribution

Under 15 min13.3%
15–29 min28.4%
30–44 min30.1%
45–59 min11.8%
60+ min16.4%

Nearest airports · with airline service

  • Ronald Reagan Washington National Airport (DCA)

    Major hub12.0M passengers boarded in 2025

    13 mi

Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.

Safetyviolent crime 49% below national average

Crime rates for 2025

Violent crime in the area policed by the Montgomery County Police Department, which covers White Oak, runs 49% below the national average.

Violent Crime Rate

167.1

per 100,000 residents

Below average (329 national, 2025)

Property Crime Rate

1,571.4

per 100,000 residents

About average (1,552 national, 2025)

Policed by Montgomery County Police Department (county-wide rate)

Natural DisastersThunderstorm Wind most common — 29 events in 2025

Natural hazard risk, storms and earthquakes

FEMA National Risk Index

Relatively Moderate

91.7 / 100

Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).

Winter weather · Very HighHail · HighHeat wave · HighLightning · HighInland flooding · High

Montgomery County, county-wide · FEMA NRI December 2025

In Montgomery County, which includes White Oak, the most common type is thunderstorm wind, with 29 recorded events in 2025.

Most common events:

Thunderstorm WindFloodWinter WeatherDense FogFlash Flood

Storm events by year

YearEventsTop TypeProperty Damage
202529Winter Weather$1.4M
202425Thunderstorm Wind$6.7M
202319Thunderstorm Wind$12.9M
202239Thunderstorm Wind$1.6M
202148Thunderstorm Wind$4.8M
202053Thunderstorm Wind$1.9M
201956Thunderstorm Wind$1.5M
201848Flood$100

Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.

1 earthquake of magnitude 2.5+ within 100 miles in the past year

Montgomery County, county-wide

White Oak is about 2% of Montgomery County’s population, so county-wide figures may differ from local conditions.

Air Quality39 median AQI — Good

Days by air quality category (2025)

Air quality in Montgomery County, which includes White Oak, is typically good — 299 good-air days per year.

Median AQI

39

Good Days

299

per year

Moderate Days

61

per year

Unhealthy Days

0

per year

Montgomery County, county-wide

White Oak is about 2% of Montgomery County’s population, so county-wide figures may differ from local conditions.

Climate85°F summers, 27°F winters

30-year climate averages (1991–2020) — monthly temperatures and precipitation

White Oak has warm summers (avg high 85°F) and cold winters (avg low 27°F).

Spring (Mar–May)

64°/44°F

avg high / low

Summer (Jun–Aug)

85°/66°F

avg high / low

Fall (Sep–Nov)

68°/48°F

avg high / low

Winter (Dec–Feb)

45°/27°F

avg high / low

Annual Precipitation

46.9"

Annual Snowfall

15.8"

Hot Days/Year

30

days above 90°F

Freeze Days/Year

95

days below 32°F

Rainy Days/Year

116

Average month

High °FLow °FPrecip (in)
10°30°50°70°90°5"Jan: 2.87" precipitationFeb: 2.40" precipitationMar: 3.72" precipitationApr: 3.28" precipitationMay: 4.27" precipitationJun: 4.23" precipitationJul: 4.51" precipitationAug: 3.88" precipitationSep: 4.42" precipitationOct: 4.04" precipitationNov: 2.92" precipitationDec: 3.48" precipitation25°JJan: high 43°F, low 25°FFFeb: high 46°F, low 27°FMMar: high 53°F, low 34°FAApr: high 65°F, low 44°FMMay: high 74°F, low 54°FJJun: high 83°F, low 63°F87°JJul: high 87°F, low 68°FAAug: high 86°F, low 66°FSSep: high 79°F, low 59°FOOct: high 68°F, low 47°FNNov: high 57°F, low 37°FDDec: high 47°F, low 30°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan43°F25°F2.87"
Feb46°F27°F2.40"
Mar53°F34°F3.72"
Apr65°F44°F3.28"
May74°F54°F4.27"
Jun83°F63°F4.23"
Jul87°F68°F4.51"
Aug86°F66°F3.88"
Sep79°F59°F4.42"
Oct68°F47°F4.04"
Nov57°F37°F2.92"
Dec47°F30°F3.48"

Healthcare

Hospitals, ratings, and health insurance in White Oak

Uninsured

14.0%

of residents

No hospitals inside White Oak's limits — nearest hospitals · within 15 miles

Holy Cross Hospital

Acute Care Hospitals · 2.8 mi away · Silver Spring

Walter Reed National Military Med Cen

Acute Care - Department of Defense · ER available · 5.9 mi away · Bethesda

Not rated

Suburban Hospital

Acute Care Hospitals · ER available · 6.9 mi away · Bethesda

Adult Health · vs. the typical US place

Obesity34.2%US 36.8%
Diabetes12.8%US 12.6%
High blood pressure36.3%US 37.1%
Current smoking10.4%US 15.0%
No leisure-time physical activity24.8%US 26.6%
Depression17.6%US 23.0%
Asthma11.1%US 10.7%
Routine checkup in past year77.6%US 78.2%

Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.

Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.

Education14.2:1 student/teacher ratio

Schools and degree attainment in White Oak

White Oak's student/teacher ratio is 14.2:1 (lower than the national average of 16:1), and 43.4% of adults 25+ hold a bachelor's degree or higher.

Public Schools

3

within city limits

Private Schools

1

within city limits

College Degree Rate

43.4%

adults 25+ with bachelor's or higher

Student/Teacher Ratio

14.2:1

National avg 16:1

Schools located within city limits (2023) — school-level metrics change slowly year to year

Colleges Near White Oak (within 15 miles)

University of Maryland Global Campus

11.8 mi away

Public · 4-year · 49,664 students · in-state tuition $8,280 · 32% graduate · median earnings $68,110 (10 yrs after entry)

University of Maryland-College Park

4.4 mi away

Public · 4-year · 30,760 students · in-state tuition $12,290 · 86% graduate · median earnings $89,228 (10 yrs after entry)

Montgomery College

9.8 mi away

Public · 2-year · 13,773 students · in-state tuition $5,394 · 23% graduate · median earnings $55,378 (10 yrs after entry)

George Washington University

10.2 mi away

Private nonprofit · 4-year · 11,182 students · in-state tuition $70,170 · 86% graduate · median earnings $96,691 (10 yrs after entry)

Howard University

8.2 mi away

Private nonprofit · 4-year · 10,108 students · in-state tuition $38,936 · 69% graduate · median earnings $69,682 (10 yrs after entry)

Strayer University-Global Region

9.6 mi away

Private for-profit · 4-year · 9,376 students · in-state tuition $13,920 · 14% graduate · median earnings $44,016 (10 yrs after entry)

Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)

Parks & Recreationclosest: Civil War Defenses of Washington, 6 mi

Nearby national parks, recreation areas and public libraries for White Oak

White Oak has 8 nearby national parks or recreation areas, closest being Civil War Defenses of Washington (6 mi away).

Nearby National Parks & Recreation Areas

Civil War Defenses of Washington

National Park Site

6 mi away

Greenbelt Park

Park

6 mi away

Rock Creek Park

Park

7 mi away

Baltimore-Washington Parkway

Parkway

8 mi away

African American Civil War Memorial

National Park Site

9 mi away

Carter G. Woodson Home National Historic Site

National Historic Site

9 mi away

Clara Barton National Historic Site

National Historic Site

9 mi away

Glen Echo Park

Park

9 mi away

Public Libraries in White Oak

White Oak Branch

11701 New Hampshire Ave., Silver Spring

Branch~52 hrs/week

Cities Near White Oak

The closest cities within 60 miles

Planning a move to White Oak?

Read our full moving guide — what it's really like to live here.

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White Oak FAQ

Is White Oak, Maryland affordable?⌄

White Oak's median rent is $1,808/month, which is above the national average. The median household income is $83,370/year. Median home value is $574,000.

Is White Oak, Maryland safe?⌄

White Oak is policed by the Montgomery County Police Department, whose violent crime rate across its service area was 167 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 1571 per 100,000. As with any city, crime rates vary by neighborhood.

What is the job market like in White Oak, Maryland?⌄

Montgomery County, which includes White Oak, has an unemployment rate of 3.7%, which is solid, slightly below the national average of 4.3%.

What is the cost of living in White Oak, Maryland?⌄

The cost of living in White Oak is primarily driven by housing. Median rent is $1,808/month and median household income is $83,370/year. The median home value is $574,000. About 53% of renters spend more than 30% of their income on housing.

How is the commute in White Oak, Maryland?⌄

The average commute in White Oak is 34 minutes, which is longer than average compared to the national average of 26 minutes.

Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from