HomeMarylandMontgomery CountySilver Spring CDP
Silver Spring CDP, Maryland: commercial real estate data.
Silver Spring CDP is a Census CDP of 81,462 people across 7.88 square miles of land, in Montgomery County. Median household income is $99,860, 38.3 percent of occupied homes are owned, and the SBA record carries 213 7(a) approvals to borrowers here worth $76.0 m.
77 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Silver Spring
What Silver Spring is
- Census place typeCDP
- Land area7.88 sq mi
- Water area0.03 sq mi
- Population per square mile of land10,334
- County holding the largest share of its areaMontgomery County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Silver Spring
How many people live in Silver Spring
- Population81,462
- Median age35.6
- Population under 1818,119
- Share under 1822.2 percent
- Population 65 and over9,828
- Share 65 and over12.1 percent
- Households33,988
- Family households17,866
- Share of households that are families52.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Silver Spring
Income and work in Silver Spring
- Median household income$99,860
- Per capita income$57,635
- Civilian labor force50,814
- Employed48,075
- Unemployed2,739 plus or minus 549
- Unemployment rate5.4 percent
- Adults 25 and over56,583
- Adults 25 and over with a high school diploma or higher87.6 percent
- Adults 25 and over with a bachelor degree or higher60.6 percent
- Adults 25 and over with a graduate degree33.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Silver Spring
Housing in Silver Spring
- Housing units35,774
- Occupied units33,988
- Vacant units1,786 plus or minus 403
- Vacancy rate5.0 percent plus or minus 1.1
- Owner occupied13,009
- Renter occupied20,979
- Ownership rate38.3 percent
- Median owner-occupied home value$643,300
- Median gross rent, monthly$1,913
- Annual rent as a share of median income23.0 percent
- Single family units12,482
- Share single family34.9 percent
- Units in buildings of two or more23,096
- Share in buildings of two or more64.6 percent
- Mobile homes196 plus or minus 185
- Median year structure built1964
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Silver Spring
How Silver Spring gets to work
- Workers 16 and over who commute33,973
- Commuting under 15 minutes4,182
- Share commuting under 15 minutes12.3 percent
- Commuting 30 minutes or more20,612
- Share commuting 30 minutes or more60.7 percent
- Drove alone45.2 percent
- Carpooled7.1 percent
- Public transport13.8 percent
- Walked2.7 percent plus or minus 0.7
- Worked from home27.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Silver Spring
SBA loans in Silver Spring (7(a))
- Approvals213
- Gross approval$76,042,500
- Average approval$357,007
- Median approval$100,000
- Ninetieth percentile approval$800,000
- Largest approval$5,000,000
- Jobs supported2,466
- Jobs per approval11.6
- Loans with a final outcome37
- Paid in full29
- Charged off8
- Charge-off rate over resolved loans21.6 percent
- Median term120 months
- Share on real estate terms of 20 years or more6.1 percent
- Share to franchises9.9 percent
- Distinct lenders43
- Distinct industries by NAICS96
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Silver Spring
SBA loans in Silver Spring (504)
- Approvals16
- Gross approval$23,158,000
- Average approval$1,447,375
- Median approval$969,000
- Largest approval$5,000,000
- Jobs supported386
- Loans with a final outcome5
- Charged off0
- Median term300 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Montgomery County, not Silver Spring
Montgomery County context, not Silver Spring figures
These are Montgomery County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Silver Spring measurements.
- Establishments in Montgomery County27,677
- Employment at those establishments, Montgomery County439,792
- Covered employment, Montgomery County462,298
- Average annual pay, Montgomery County$94,473
- Average weekly wage, Montgomery County$1,817
- Housing units permitted, Montgomery County3,656
- Of those, single family, Montgomery County1,491
- County product, 2024, Montgomery County$117,389,979,000
- County product change over the prior year, Montgomery County4.3 percent
- Average income of an arriving household, Montgomery County$106,809
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Silver Spring. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Silver Spring questions, answered from the record.
How many people live in Silver Spring, Maryland?
81,462, in 33,988 households. Silver Spring CDP covers 7.88 square miles of land, which is 10,334 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Silver Spring in?
Montgomery County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Silver Spring?
$99,860. The median owner-occupied home is valued at $643,300. Median gross rent is $1,913 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Silver Spring businesses?
213 7(a) approvals totalling $76.0 m, across 43 lenders, median approval $100,000, plus 16 504 approvals worth $23.2 m. These count approvals to borrowers whose address is in Silver Spring, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Silver Spring borrowers get paid back?
Of the 37 loans that have reached a final outcome, 29 were paid in full and 8 charged off, a charge off rate of 21.6 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page Silver Spring figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montgomery County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Silver Spring.
Is zoning published for Silver Spring?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.