What income do you need to buy a house in Silver Spring, MD?

It takes about $150,000/yr to afford the typical Silver Spring, MD home ($550K, -0.8% past year) at today's rates. Starter homes run around $339K. See if you can afford a house in Silver Spring (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $150,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, MD property tax and insurance)
• Typical home value: $550K (Zillow ZHVI, 2026-07)
• 1-year change: -0.8%
• Bottom 35% of homes: $339K
• Top 35% of homes start around: $727K
• Typical rent: $1,962/mo
• Median household income: $100K
• Price-to-income ratio: 5.5
• Estimated payment on the typical home: $2,859/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Takoma Park, MD — typical home $690K
• Langley Park, MD — typical home $381K
• Adelphi, MD — typical home $453K
• Chillum, MD — typical home $407K
• Hyattsville, MD — typical home $405K
• College Park, MD — typical home $437K

The most affordable cities to buy a house in Maryland

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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