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City · 5,193 residents · Prince George's County, Maryland

Silver Hill , Maryland

In Silver Hill, a typical home is worth $323,200 and typical rent is $1,523 a month. Compared with all of Prince George's County, typical household income is 40% lower, the typical home value is 24% lower, and the share of households that own their home is 42 points lower.

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  • Typical home value

    $323,200

    24% below the county

    23% below Maryland

    • Silver Hill
    • Prince George's
    • Maryland

  • Typical rent

    $1,523a month

    15% below the county

    11% below Maryland

    • Silver Hill
    • Prince George's
    • Maryland

  • Typical household income

    $60,625a year

    40% below the county

    42% below Maryland

    • Silver Hill
    • Prince George's
    • Maryland

  • Households that own their home

    21%

    42 points below the county

    47 points below Maryland

    • Silver Hill
    • Prince George's
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Silver Hill is in Prince George's County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Prince George's County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Silver Hill apart

What this place has that others do not, from public data, most unusual first.

  1. Silver Hill has the lowest homeownership rate of the 202 cities in Maryland with more than 5,000 people: 21%.

  2. The typical household income in Silver Hill is $60,625, 40% less than in Prince George's County as a whole ($101,798).

  3. The typical home in Silver Hill is worth $323,200, 24% less than in Prince George's County as a whole ($426,000).

  4. The typical rent in Silver Hill is $1,523 a month, 15% less than in Prince George's County as a whole ($1,799).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Silver Hill

What homes there are in Silver Hill, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Many people here live in apartments: 7 in 10 homes; in Prince George's County, 3.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,773 a month

Prince George's County: $2,456 a month

Owners with a mortgage

87%

Prince George's County: 78%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Silver Hill rose 77% since 2015–2019, more than in Prince George's County (41%).

Rent in Silver Hill moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSilver HillPrince George's CountyMarylandUnited States
Rental vacancy Unreliable estimate4.7%4.7%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate5.1%2.5%3.4%
People per household 1.962.702.572.53
Drive alone 70%60%65%69%
Carpool Unreliable estimate10%8%9%
Public transit 11%7%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate18%19%15%
Other means Unreliable estimate3%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Silver Hill are smaller: 1.96 people on average; in Prince George's County, 2.70.

More people ride a bus or train to work in Silver Hill than in Prince George's County: 11% against 7%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Silver Hill?

A typical home costs more than the typical income allows

We start with a typical home in Silver Hill, worth $323,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Silver Hill, which is $60,625 a year. For that payment to be 28% of income, a household would need to earn about $115,460 a year.

The calculator's FHA and conventional loan limits are those of all of Prince George's County.

Your numbers

Local data
$

Starts at the typical home value in Silver Hill. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,312 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,694

at 7.18% · 30 years

Loan amount
$317,346
Total interest
$456,587
Paid off in
November 2056

Includes $5,458 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,415 a month

  • Tight

    $1,415 to $1,819 a month

  • Hard

    more than $1,819 a month

    Your payment · 53%

Compared with the typical household income in Silver Hill ($60,625 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,694
Principal & interest$2,150
Property tax$267
Home insurance$135
FHA mortgage insurance (MIP)$143

You need at least $11,312 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Silver Hill and Prince George's County

Silver Hill is in Prince George's County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Silver Hill's own numbers

Typical home value
$323,200
Typical monthly rent
$1,523
Typical yearly household income
$60,625
Households that own their home
21%
Effective property tax rate
0.99%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Prince George's County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
0.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Prince George's County.

Everything about Prince George's County

Buying

Buying a home in Silver Hill

A typical home in Silver Hill is worth $323,200: 24% below the county and 23% below Maryland. With the typical household income in Silver Hill ($60,625 a year), a typical home costs 5.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Silver Hill 5.3 years
  • Prince George's 4.2 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Prince George's County

According to FHFA’s house price index, home prices in Prince George's County rose 77% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Prince George's County.

Period County Maryland U.S.
Last year (2025) +2.8% +2.7% +2.9%
5 years (2020–2025) +38% +40% +47%
10 years (2015–2025) +77% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Silver Hill next to Prince George's County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Silver Hill $323,200
  • Prince George's $426,000
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Silver Hill $1,523
  • Prince George's $1,799
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Silver Hill $60,625
  • Prince George's $101,798
  • Maryland $103,678
  • United States $80,734
See the full table
Silver Hill next to Prince George's County and Maryland
Measure Silver Hill Prince George's County Maryland U.S.
Typical home value $323,200 $426,000 $419,900 $332,700
Typical monthly rent $1,523 $1,799 $1,705 $1,413
Typical yearly household income $60,625 $101,798 $103,678 $80,734
Households that own their home 21% 62% 68% 65%
Typical yearly property tax $3,213 $4,771 $4,093 $3,119
Effective property tax rate 0.99% 1.12% 0.97% 0.94%
Renters with high rent for their income 50% 53% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Prince George's County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Silver Hill

For a typical $323,200 home in Silver Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Silver Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,694a month

    Least cash to close
    Down payment
    $11,312
    Cash to close
    $21,008
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $143

  • Conventional, 5% down $2,635a month

    Down payment
    $16,160
    Cash to close
    $25,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $154

  • Conventional, 20% down, no PMI $2,153a month

    Down payment
    $64,640
    Cash to close
    $74,336
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,452a month

    Down payment
    $48,480
    Cash to close
    $58,176
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Silver Hill and for Prince George's County.

Property tax

Effective rate in Silver Hill

0.99%of the home’s value each year

$3,213 a year for the typical owner in Silver Hill.

  • Silver Hill 0.99%
  • Prince George's 1.12%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Prince George's County

FEMA does not publish these numbers by city: they are for all of Prince George's County.

Homes in the high-risk zone
0.4%
905
Of those, with NFIP insurance
—
County Maryland U.S.
Homes in the high-risk zone 0.4% 1.2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Silver Hill

Typical rent in Silver Hill is $1,523 a month: 15% below the county. In Silver Hill, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Prince George's County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Prince George's County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Silver Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Silver Hill is in ZIP code 20746.

For 2 bedrooms it is $2,240: $198 less than the fair market rent for Prince George's County ($2,438).

  • 20746 $2,240$2,850

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Silver Hill when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Silver Hill

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 7 HUD-approved agencies with an office in Prince George's County; 5 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Silver Hill

No down payment, repair or rent-help program on our list is for Silver Hill or Prince George's County. The ones below are statewide in Maryland: they work in Silver Hill the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Silver Hill

The HUD-approved agencies closest to the center of Silver Hill, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Options & Planning Enterprises, Inc.

    6188 Oxon Hill Rd Ste 700, Oxon Hill · 3 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (301) 567-3330

  • United Communities Against Poverty

    1400 Doewood Ln, Capitol Heights · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (301) 322-5700

  • Homefree-USA of the Washington DC Metropolitan Area

    8401 Corporate Dr, Landover · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (301) 891-8400

Every agency in Prince George's County All counseling agencies in Maryland

Help in Spanish near Silver Hill

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Silver Hill

In HUD’s record, no housing authority with an office in Prince George's County is named for Silver Hill or Prince George's County.

4 other authorities have an office in Prince George's County: see the list Source: HUD

Cities

Other cities in Prince George's County

These cities are also in Prince George's County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Prince George's County Housing in Maryland
See 39 more cities in Prince George's County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Silver Hill, with the typical home value.

Neighboring counties

If Prince George's County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Silver Hill.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Silver Hill

Short answers with the numbers for Silver Hill and all of Prince George's County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Silver Hill?

The typical home value in Silver Hill is $323,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Prince George's County it is $426,000.

How much does it cost to rent in Silver Hill?

Typical rent in Silver Hill is $1,523 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Prince George's County is $2,438.

What is the FHA loan limit in Silver Hill?

Silver Hill uses the FHA limit for all of Prince George's County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Silver Hill?

The typical homeowner in Silver Hill pays $3,213 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Prince George's County, the rate is 1.12%.

Where can I find free help to buy or rent in Silver Hill?

There are 7 HUD-approved counseling agencies with an office in Prince George's County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).