White Oak, MD population, income and ZIP codes

White Oak CDP is a mid-size town in Maryland, with 16,458 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #89 of 536 ranked by population — larger than 83% of them. The median age here is 33.1 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in White Oak CDP earn a median of $80,118 a year, 2% above the national figure of $78,538 and 27% below the $109,026 median for the 332 Maryland cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 17.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in White Oak CDP is valued at $520,200, 71.5% above the national figure and 31% above the $397,200 peer median, while median gross rent runs $1,784 a month, 26.9% above the national figure, or roughly $21,408 across a full year. A household on the local median income would put about 26.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 6.5×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 26.7% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 6.5× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.