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Living in
White Oak.
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
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
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
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)
Median home value
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 Oak: Montgomery County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
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
City residents, wherever they work
Median Salary by Occupation · metro area
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
Commute Time Distribution
Nearest airports · with airline service
- 13 mi
Ronald Reagan Washington National Airport (DCA)
Major hub12.0M passengers boarded in 2025
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).
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:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 29 | Winter Weather | $1.4M |
| 2024 | 25 | Thunderstorm Wind | $6.7M |
| 2023 | 19 | Thunderstorm Wind | $12.9M |
| 2022 | 39 | Thunderstorm Wind | $1.6M |
| 2021 | 48 | Thunderstorm Wind | $4.8M |
| 2020 | 53 | Thunderstorm Wind | $1.9M |
| 2019 | 56 | Thunderstorm Wind | $1.5M |
| 2018 | 48 | Flood | $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
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 43°F | 25°F | 2.87" |
| Feb | 46°F | 27°F | 2.40" |
| Mar | 53°F | 34°F | 3.72" |
| Apr | 65°F | 44°F | 3.28" |
| May | 74°F | 54°F | 4.27" |
| Jun | 83°F | 63°F | 4.23" |
| Jul | 87°F | 68°F | 4.51" |
| Aug | 86°F | 66°F | 3.88" |
| Sep | 79°F | 59°F | 4.42" |
| Oct | 68°F | 47°F | 4.04" |
| Nov | 57°F | 37°F | 2.92" |
| Dec | 47°F | 30°F | 3.48" |
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
Suburban Hospital
Acute Care Hospitals · ER available · 6.9 mi away · Bethesda
Adult Health · vs. the typical US place
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 awayPublic · 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 awayPublic · 4-year · 30,760 students · in-state tuition $12,290 · 86% graduate · median earnings $89,228 (10 yrs after entry)
Public · 2-year · 13,773 students · in-state tuition $5,394 · 23% graduate · median earnings $55,378 (10 yrs after entry)
Private nonprofit · 4-year · 11,182 students · in-state tuition $70,170 · 86% graduate · median earnings $96,691 (10 yrs after entry)
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 awayPrivate 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 awayGreenbelt Park
Park
6 mi awayRock Creek Park
Park
7 mi awayBaltimore-Washington Parkway
Parkway
8 mi awayAfrican American Civil War Memorial
National Park Site
9 mi awayCarter G. Woodson Home National Historic Site
National Historic Site
9 mi awayClara Barton National Historic Site
National Historic Site
9 mi awayGlen Echo Park
Park
9 mi awayPublic Libraries in White Oak
White Oak Branch
11701 New Hampshire Ave., Silver Spring
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.
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