City profile · Maryland · Census ACS 2023

White Oak, MD

White Oak's Census ACS profile: residents, income, housing, and the joined public-record layers available for this place.

16,458
Residents
$80,118
Median income
$520,200
Median home
$1,657
Median rent (state)
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Side-by-side metrics and state or size-class ranks use the same Census and FBI fields shown on this profile. Results stay in the URL so you can bookmark or share them.

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See how it ranks

State rank, size-class rank, and four peer cities for White Oak.

Place dossier plate

Sheet MD-WHITE-OAK-MD · White Oak, MD 16,458 pop · income 62nd pct

POP-TOWN · INC-HIGH · COL-ABOVE · SAFE-UNK · RANK-UPPER · PHOTO-FINISH · HOME-HIGH · BOOK-UNK

  • POP-TOWN 16,458
  • INC-HIGH $80,118
  • COL-ABOVE 105.0
  • SAFE-UNK Safety pending
  • RANK-UPPER 62nd
  • PHOTO-FINISH ≈ Mascotte
  • HOME-HIGH $520,200
  • BOOK-UNK Tracts pending

Nearest income peer: Mascotte, FL ( $4 income $)

Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.

Income neighbourhood around White Oak

Lowest/highest poles plus peers nearest White Oak on median household income. Full ladder: /browse and /rankings.

median HH income

What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2026-08-08

Compare beyond this state

Nationwide peers by population, income

Out-of-state nearest neighbors for White Oak on ACS population and median household income . Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.

Similar population

Nearest out-of-state cities by ACS population. This city: 16,458.

4 peers

Similar household income

Nearest out-of-state cities by ACS median household income. This city: $80,118. Population peers are excluded.

4 peers

White Oak - the verdict

White Oak ranks in the 62nd percentile for household income nationally, out of every US city with at least 1,000 residents. Source: Census ACS.

62nd
percentile, household income
86th
percentile, home value
84th
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: White Oak, MD

White Oak is a small town in Maryland, home to 16,458 residents per U.S. Census Bureau ACS 2023 estimates. White Oak households earn a median of $80,118 annually, above the median for U.S. cities on this measure, with a poverty rate of 15.5%. White Oak's housing stock carries a median value of $520,200, and the median resident age is 33.1 years. About 40.9% of adults hold a bachelor's degree or higher, while 63.5% of working-age residents are in the labor force.

Maryland carries a cost-of-living premium: BEA Regional Price Parities 2024 puts Maryland at 105.0 on a 100-equals-national-average scale (Above Average). HUD Fair Market Rent for a typical two-bedroom in this state is $1,657 per month. Statewide, average monthly utility bills in Maryland run around $255, per EIA 2023 residential energy data. FEMA's National Risk Index rates natural-hazard exposure at 60.2 out of 100 (Moderate).

A decision-led reading path

Useful questions to ask of White Oak's data

How this reading path is ordered

This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from housing and income to work and mobility to comparison shortlist; another city can have a different sequence or fewer supported layers because the source joins are not uniform.

For White Oak, city-specific coverage includes commute-mode shares. No matched row is reported here for matched public-school count, local building permits, within-city Census tract profiles, FBI reported-crime rates, annual population history; the page leaves those layers out instead of substituting a statewide or national value.

1. Housing and income

How far does income reach against housing in White Oak?

This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.

The home-value-to-income reference is comparatively stretched: the ACS median home value is 6.5 times median household income. The ACS poverty estimate is 15.5%, which keeps the citywide median from describing every household.

Compare the housing trade-off →

Question 2

What does the journey to work look like in White Oak?

Driving alone is the largest reported mode at 61.2%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.

Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.

Compare commute patterns →

3. Comparison shortlist

Which cities make useful reference points for White Oak?

Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.

Within Maryland, the closest population matches are Glenmont (16,529 residents, $115,058 income); Cloverly (16,726 residents, $146,316 income); Aberdeen (16,831 residents, $76,019 income). Outside the state, the closest population matches in this dataset are Madison, NJ (16,464 residents); Mercedes, TX (16,449 residents); Havelock, NC (16,471 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.

Open a side-by-side comparison →

Population

16,458 residents

Small city (10k–49k)

Median Household Income

$80,118 /yr

Above median income · poverty 15.5% (High poverty)

Cost of Living Index (state)

105.0 (US=100)

High cost · BEA RPP 2024, Maryland average

City profile score · White Oak, MD

44/100

4 published dimensions · ACS/FBI 2023

Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians (income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when published. Higher means a stronger standing on those published figures, not a livability rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out and redistribute weight. How it is calculated.

Bachelor's+ share B+
40.9%

Adults with a bachelor's degree or higher; ACS.

Household income C+
$80,118

Median household income vs U.S. cities (pop ≥1,000); ACS.

Poverty rate F
15.5%

Share of residents below the poverty line; lower scores better on this axis.

Cost of living F
105.0 index

BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.

Violent crime N/A
N/A

No FBI UCR violent-crime rate for this place (coverage is incomplete).

White Oak profile (scored ACS/FBI dimensions) 4-axis radar comparing 1 series across Bachelor's+ share, Household income, Poverty rate, Cost of living. Bachelor's+ shareHousehold incomePoverty rateCost of living 44 D
White Oak profile (scored ACS/FBI dimensions)
Read the chart values
  • Bachelor's+ share: 76/100 (B+) · 40.9%
  • Household income: 60/100 (C+) · $80,118
  • Poverty rate: 22/100 (F) · 15.5%
  • Cost of living: 21/100 (F) · 105.0 index

How does White Oak compare to other US cities?

Here's how White Oak stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.

Household income 62% higher than other cities
Home value 86% pricier than other cities
Median rent 84% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

Each percentile compares White Oak against every qualifying US city; each in-state rank narrows that to Maryland only. Full formula and direction notes: methodology.

Maryland-relative analysis

Median Gross Rent places White Oak near the bottom of Maryland's cities

Among the 479 Maryland cities PlainCities tracks with reported median gross rent data, White Oak ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares White Oak only against its own state's cities, not the full US field.

Median Household Income
#310 of 445
30th percentile in Maryland
Median Gross Rent
#1 of 479
0th percentile in Maryland
Median Home Value
#95 of 450
79th percentile in Maryland
Poverty Rate
#56 of 479
88th percentile in Maryland
Bachelor's Degree or Higher
#185 of 479
61st percentile in Maryland
How in-state ranks are ordered

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Maryland only, not a livability score. See the methodology for the source and calculation.

62ndIncome percentile
Gauge source note

62nd percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How White Oak's home value compares nationally

Median home value vs. every US city (population 1,000+)

$520,200 14th percentile more affordable than 14% of 15,600 US cities

Show national distribution $0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). Below this entry. $300,000–$325,000: 521 US cities (3%). Below this entry. $325,000–$350,000: 526 US cities (3%). Below this entry. $350,000–$375,000: 465 US cities (3%). Below this entry. $375,000–$400,000: 393 US cities (3%). Below this entry. $400,000–$425,000: 317 US cities (2%). Below this entry. $425,000–$450,000: 300 US cities (2%). Below this entry. $450,000–$475,000: 307 US cities (2%). Below this entry. $475,000–$500,000: 250 US cities (2%). Below this entry. $500,000–$525,000: 160 US cities (1%). This entry sits in this band. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. White Oak $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

White Oak's home-value-to-income ratio: 6.5×

ACS median home value divided by median household income.

Band
pressured
> 5.0×
National rank
#14,434 of 15,516
More affordable than 7% of tracked cities (pop. 1,000+)
Size class
#3,045 of 3,317
Small cities (10,000–49,999)

At 6.5×, White Oak sits in the pressured band: national rank #14,434 of 15,516 and #3,045 of 3,317small cities (10,000–49,999). Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.

How this ratio is calculated

Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000. Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0). This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.

Income distribution context

$80,118 White Oak, MD median household income (Census ACS)

Show U.S. national quintile / Lorenz context Household income distribution - White Oak, MD White Oak, MD's median household income ($80,118) against the U.S. national quintile-share pattern. The Lorenz curve and quintile bars are national context, not White Oak, MD-specific shares. $ Household Income Distribution White Oak, MD median $80,118/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
White Oak, MD median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for White Oak, MD.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 40.9%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 15.5%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 63.5%

Census ACS S2301, share of working-age residents in the labor force

Population
16,458
Median Income
$80,118
Median Home Value
$520,200
Median Age
33.1
Poverty Rate
15.5%
Labor force participation
63.5%
Bachelor's Degree+
40.9%

Commute Patterns

Commute source

How workers travel to work, Census ACS 2023

Drive Alone
61.2%
Carpool
9.3%
Public Transit
11.7%
Walk
0.1%
Work from Home
13.9%
Other
3.8%

Based on 7,639 workers 16 and over.

Monthly Utility Costs

Maryland statewide monthly utility average (EIA 2023): $255

EIA 2023 residential energy data puts average monthly utilities across Maryland at $255 (electricity about $120 , water and sewer about $55 ).

These are Maryland statewide averages, not a meter reading for White Oak. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Maryland's BEA cost-of-living index is 105.0 (Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around White Oak is $1,657/mo. FEMA's National Risk Index, averaged to Maryland statewide on PlainCities, rates natural-hazard exposure at 60.2 / 100 (Moderate).

Cost/risk geography note

Cost of living is a Maryland statewide BEA average; rent is a county-level HUD Fair Market Rent for the county White Oak sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.

How White Oak compares to similar-size Maryland cities

Same-state peer method

Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.

City Population Median Household Income
White Oak (this city) 16,458 $80,118
Glenmont 16,529 $115,058
Cloverly 16,726 $146,316
Aberdeen 16,831 $76,019
Primary sources on this page

Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES. Joins use OMB Bulletin 23-01 / FIPS keys.

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Estimate caveats

ACS and UCR figures are citywide estimates with vintage lags; they do not replace a local visit, school visit, or insurance quote.

Editorial standards, provenance, and how to cite this page

Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

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