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City · 17,329 residents · Montgomery County, Maryland

White Oak , Maryland

In White Oak, a typical home is worth $574,000 and typical rent is $1,808 a month. Compared with all of Montgomery County, typical household income is 37% lower, typical rent is 13% lower, and the share of households that own their home is 40 points lower.

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  • Typical home value

    $574,000

    10% below the county

    37% above Maryland

    • White Oak
    • Montgomery
    • Maryland

  • Typical rent

    $1,808a month

    13% below the county

    6% above Maryland

    • White Oak
    • Montgomery
    • Maryland

  • Typical household income

    $83,370a year

    37% below the county

    20% below Maryland

    • White Oak
    • Montgomery
    • Maryland

  • Households that own their home

    26%

    40 points below the county

    42 points below Maryland

    • White Oak
    • Montgomery
    • Maryland

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

White Oak is in Montgomery 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 Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets White Oak apart

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

  1. 26% of households in White Oak own their home, against 65% in Montgomery County.

  2. The typical household income in White Oak is $83,370, 37% less than in Montgomery County as a whole ($132,450).

  3. Nearby, in Calverton, the typical home value is $477,100: 17% less than in White Oak ($574,000).

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

The homes here

Housing in White Oak

What homes there are in White Oak, 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

There are more apartments in White Oak than in Montgomery County: 67% of homes, against 33%.

Year built

In White Oak, half of the homes were built before 1974; in Montgomery County, before 1980.

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

$2,688 a month

Montgomery County: $2,929 a month

Without a mortgage

$953 a month

Montgomery County: $986 a month

Owners with a mortgage

72%

Montgomery County: 70%

Owning costs less in White Oak: with a mortgage, the typical cost is $2,688 a month; in Montgomery County, $2,929. Without one, $953.

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

White Oak does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Montgomery County the typical home value rose 32%.

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

MeasureWhite OakMontgomery CountyMarylandUnited States
Rental vacancy Unreliable estimate3.7%4.7%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 8.0%3.3%2.5%3.4%
People per household 2.732.722.572.53
Drive alone 59%53%65%69%
Carpool 10%8%8%9%
Public transit 11%8%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 15%28%19%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in White Oak: 8.0% have more than one person per room; in Montgomery County, 3.3%.

By size, households in White Oak look like those in Montgomery County: 2.73 people on average.

Public transit matters here: 11% of workers take it to work, against 8% in Montgomery County.

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 White Oak?

A typical home costs more than the typical income allows

We start with a typical home in White Oak, worth $574,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 68% of the typical household income in White Oak, which is $83,370 a year. For that payment to be 28% of income, a household would need to earn about $201,161 a year.

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

Your numbers

Local data
$

Starts at the typical home value in White Oak. 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 $20,090 (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

$4,694

at 7.18% · 30 years

Loan amount
$563,603
Total interest
$810,893
Paid off in
November 2056

Includes $9,693 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,945 a month

  • Tight

    $1,945 to $2,501 a month

  • Hard

    more than $2,501 a month

    Your payment · 68%

Compared with the typical household income in White Oak ($83,370 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,694
Principal & interest$3,818
Property tax$383
Home insurance$239
FHA mortgage insurance (MIP)$254

You need at least $20,090 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

White Oak and Montgomery County

White Oak is in Montgomery 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).

White Oak's own numbers

Typical home value
$574,000
Typical monthly rent
$1,808
Typical yearly household income
$83,370
Households that own their home
26%
Effective property tax rate
0.8%

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

Numbers for all of Montgomery 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)
+35%
Homes in a high flood-risk zone
0.1%

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 Montgomery County.

Everything about Montgomery County

Buying

Buying a home in White Oak

A typical home in White Oak is worth $574,000: 10% below the county and 37% above Maryland. With the typical household income in White Oak ($83,370 a year), a typical home costs 6.9 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.

  • White Oak 6.9 years
  • Montgomery 4.8 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Montgomery County

According to FHFA’s house price index, home prices in Montgomery County rose 50% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Montgomery County.

Period County Maryland U.S.
Last year (2025) +1.3% +2.7% +2.9%
5 years (2020–2025) +35% +40% +47%
10 years (2015–2025) +50% +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

White Oak next to Montgomery 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
  • White Oak $574,000
  • Montgomery $640,300
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • White Oak $1,808
  • Montgomery $2,068
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • White Oak $83,370
  • Montgomery $132,450
  • Maryland $103,678
  • United States $80,734
See the full table
White Oak next to Montgomery County and Maryland
Measure White Oak Montgomery County Maryland U.S.
Typical home value $574,000 $640,300 $419,900 $332,700
Typical monthly rent $1,808 $2,068 $1,705 $1,413
Typical yearly household income $83,370 $132,450 $103,678 $80,734
Households that own their home 26% 65% 68% 65%
Typical yearly property tax $4,614 $5,539 $4,093 $3,119
Effective property tax rate 0.8% 0.87% 0.97% 0.94%
Renters with high rent for their income 55% 52% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Montgomery 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 White Oak

For a typical $574,000 home in White Oak, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Oak's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,694a month

    Least cash to close
    Down payment
    $20,090
    Cash to close
    $37,310
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $254

  • Conventional, 5% down $4,589a month

    Down payment
    $28,700
    Cash to close
    $45,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $273

  • Conventional, 20% down, no PMI $3,733a month

    Down payment
    $114,800
    Cash to close
    $132,020
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,263a month

    Down payment
    $86,100
    Cash to close
    $103,320
    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 White Oak and for Montgomery County.

Property tax

Effective rate in White Oak

0.8%of the home’s value each year

$4,614 a year for the typical owner in White Oak.

  • White Oak 0.8%
  • Montgomery 0.87%
  • 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 Montgomery County

FEMA does not publish these numbers by city: they are for all of Montgomery County.

Homes in the high-risk zone
0.1%
305
Of those, with NFIP insurance
51%
County Maryland U.S.
Homes in the high-risk zone 0.1% 1.2% 3.5%
Of those, with NFIP insurance 51% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in White Oak

Typical rent in White Oak is $1,808 a month: 13% below the county. In White Oak, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Montgomery 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 Montgomery 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 White Oak

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Oak has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,310 in 20904 to $2,340 in 20903.

None is above the fair market rent for Montgomery County ($2,438).

  • 20903 $2,340$2,980
  • 20904 $2,310$2,940

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for White Oak 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 White Oak

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 3 HUD-approved agencies with an office in Montgomery County; 3 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in White Oak

No down payment, repair or rent-help program on our list is for White Oak or Montgomery County. The ones below are statewide in Maryland: they work in White Oak 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 White Oak

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

  • Latino Economic Development Corporation

    12520 Prosperity Dr, Silver Spring · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (202) 540-7426

  • Housing Initiative Partnership, Inc. (HIP)

    6525 Belcrest Rd, Hyattsville · 5 miles away · Spanish

    Also serves in French and Portuguese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (301) 699-3835

  • Centro de Apoyo Familiar (CAF) MD

    6801 Kenilworth Ave Ste 110, Riverdale · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (301) 328-3292

Every agency in Montgomery County All counseling agencies in Maryland

Help in Spanish near White Oak

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 White Oak

In HUD’s record, no housing authority with an office in Montgomery County is named for White Oak or Montgomery County.

2 other authorities have an office in Montgomery County: see the list Source: HUD

Cities

Other cities in Montgomery County

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

Everything about Montgomery County Housing in Maryland
See 24 more cities in Montgomery County, with prices and rents

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

Nearby cities

The cities closest to White Oak, with the typical home value.

Neighboring counties

If Montgomery 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 White Oak.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about White Oak

Short answers with the numbers for White Oak and all of Montgomery 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 White Oak?

The typical home value in White Oak is $574,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $640,300.

How much does it cost to rent in White Oak?

Typical rent in White Oak is $1,808 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $2,438.

What is the FHA loan limit in White Oak?

White Oak uses the FHA limit for all of Montgomery 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 White Oak?

The typical homeowner in White Oak pays $4,614 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Montgomery County, the rate is 0.87%.

Where can I find free help to buy or rent in White Oak?

There are 3 HUD-approved counseling agencies with an office in Montgomery County. 3 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).