Census tract · Montgomery County
Census Tract 7028, Montgomery County, Maryland
Census Tract 7028, GEOID 24031702800, in Montgomery County, Maryland, entirely within Silver Spring. 5,548 residents in the ACS 2020-2024 5-year estimates (±764); the 2020 Census counted 5,264.
Residents, 2020-2024
5,548
±764 (90% margin)
2020 Census count: 5,264
Median household income
$144,351
±$44,582 (90% margin)
Montgomery County: $132,450
Median home value
$806,900
±$53,827 (90% margin)
Montgomery County: $640,300
Median gross rent
$2,103
±$181 (90% margin)
Montgomery County: $2,068
Where is Census Tract 7028?
Census Tract 7028 is one of 232 census tracts in Montgomery County, Maryland. It covers 0.65 square miles of land, 8,149 residents per square mile in 2020. Its GEOID, 24031702800, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Silver Spring | 100% |
6 census tracts border Census Tract 7028: Tract 7025.03 ($89,633), Tract 7026.02 ($84,167), Tract 7026.04 ($84,818), Tract 7027 ($114,563), Tract 7029 ($173,864) and Tract 7040 ($141,000). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 7028?
The 2020-2024 American Community Survey puts Census Tract 7028's population at 5,548 (±764) in 2,680 households; the 2020 Census counted 5,264 residents and 2,697 housing units.
| Measure | Tract 7028 | Silver Spring |
|---|---|---|
| Total population | 5,548 ±764 | 81,462 |
| Households | 2,680 ±365 | 33,988 |
| Average household size | 2.05 ±0.23 | 2.39 |
| Housing units | 2,903 ±337 | 35,774 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 7028?
The median resident of Census Tract 7028 is 36.7 years old; 16.8% are under 18 and 13.1% are 65 or older. The largest group is non-Hispanic white residents at 60.9%, then non-Hispanic Black residents at 24.1%. 13.8% of residents were born outside the United States.
| Measure | Tract 7028 | Silver Spring |
|---|---|---|
| Median age | 36.7 ±6.0 | 35.6 |
| Under 18 years | 16.8% ±3.5 pts | 22.2% |
| 65 years and over | 13.1% ±3.9 pts | 12.1% |
| Hispanic or Latino (any race) | 6.5% ±4.5 pts | 24.5% |
| White alone, not Hispanic | 60.9% ±7.6 pts | 32.8% |
| Black or African American alone, not Hispanic | 24.1% ±7.0 pts | 28.3% |
| Asian alone, not Hispanic | 2.0% ±1.7 pts | 8.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Two or more races, not Hispanic | 6.3% ±2.9 pts | 5.3% |
| Some other race alone, not Hispanic | 0.3% ±1.1 pts | 0.5% |
| Born outside the United States | 13.8% ±4.8 pts | 33.9% |
| Speak a language other than English at home (age 5+) | 20.0% ±7.8 pts | 43.9% |
| Civilian veterans (age 18+) | 1.2% ±1.1 pts | 2.2% |
| With a disability | 9.4% ±5.4 pts | 8.3% |
| No health insurance coverage | 3.3% ±2.2 pts | 9.9% |
| High school graduate or higher (age 25+) | 98.8% ±1.1 pts | 87.6% |
| Bachelor's degree or higher (age 25+) | 83.7% ±6.3 pts | 60.6% |
| Graduate or professional degree (age 25+) | 50.0% ±6.7 pts | 33.6% |
| Lived in the same house a year earlier | 85.4% ±7.1 pts | 84.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 7028 earn?
Half of the 2,680 households in Census Tract 7028 earn less than $144,351 a year (±$44,582), against $132,450 across Montgomery County: 109th highest of the county's 230 tracts with a reliable estimate.
| Measure | Tract 7028 | Silver Spring |
|---|---|---|
| Median household income | $144,351 ±$44,582 | $99,860 |
| Mean household income | $175,982 ±$26,007 | $135,559 |
| Per capita income | $87,119 ±$12,024 | $57,635 |
| People below the poverty line | 2.2% ±2.0 pts | 10.6% |
| Children under 18 below the poverty line | 0.0% ±4.5 pts | 16.2% |
| Households receiving SNAP | 1.5% ±1.7 pts | 8.8% |
| Households with a computer | 98.8% ±1.9 pts | 98.1% |
| Households with a broadband subscription | 89.2% ±10.4 pts | 95.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 7028?
Owners occupy 49.0% of Census Tract 7028's occupied homes and renters 51.0%. The median owner-occupied home is valued at $806,900 by its owner (±$53,827). The median renter pays $2,103 a month including utilities, and 46.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 7028 | Silver Spring |
|---|---|---|
| Median home value (owner-occupied) | $806,900 ±$53,827 | $643,300 |
| Median gross rent | $2,103 ±$181 | $1,913 |
| Renters paying 35% or more of income on rent | 46.3% ±19.3 pts | 42.1% |
| Median monthly owner costs, with a mortgage | $3,583 ±$318 | $2,845 |
| Owner-occupied homes | 49.0% ±9.6 pts | 38.3% |
| Renter-occupied homes | 51.0% ±9.6 pts | 61.7% |
| Housing units | 2,903 ±337 | 35,774 |
| Single-family detached homes | 42.4% ±8.0 pts | 29.6% |
| Mobile homes | 0.0% ±1.5 pts | 0.5% |
| Built 2020 or later | 0.0% ±1.5 pts | 0.8% |
| Built 2010 to 2019 | 8.6% ±4.6 pts | 13.3% |
| Built 1939 or earlier | 24.2% ±7.7 pts | 11.2% |
| Households with no vehicle | 15.9% ±7.7 pts | 16.5% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 7028 get to work?
42.1% of Census Tract 7028's workers drive alone and 38.9% work from home. The average trip to work takes 32.5 minutes. The unemployment rate in 2020-2024 averaged 3.8%.
| Measure | Tract 7028 | Silver Spring |
|---|---|---|
| In the labor force (age 16+) | 79.1% ±5.2 pts | 78.7% |
| Unemployment rate | 3.8% ±2.4 pts | 5.4% |
| Drove alone to work | 42.1% ±10.7 pts | 45.2% |
| Carpooled | 2.3% ±2.3 pts | 7.1% |
| Public transportation | 13.4% ±5.8 pts | 13.8% |
| Walked | 1.2% ±1.7 pts | 2.7% |
| Worked from home | 38.9% ±8.1 pts | 27.3% |
| Mean travel time to work | 32.5 min ±2.7 | 34.0 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 7028 compare with the other tracts in Montgomery County?
Among Montgomery County's tracts with a reliable estimate, Census Tract 7028 ranks as shown below (1 = highest).
| Measure | In Montgomery County | In Silver Spring |
|---|---|---|
| Population | 67th of 232 | 6th of 19 |
| Residents per square mile | 62nd of 232 | 14th of 19 |
| Median household income | 109th of 230 | 4th of 19 |
| Per capita income | 51st of 232 | 1st of 19 |
| Median home value | 57th of 226 | 3rd of 18 |
| Median gross rent | 129th of 215 | 7th of 19 |
| Bachelor's degree or higher | 33rd of 232 | 2nd of 19 |
| Median age | 172nd of 232 | 8th of 19 |
| Owner-occupied share | 175th of 227 | 7th of 18 |
The tracts next to it on Montgomery County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 7003.06 | 106th | $147,210±$25,877 · within the margin of this tract |
| Tract 7013.08 | 107th | $146,967±$26,635 · within the margin of this tract |
| Tract 7034.02 | 108th | $146,797±$67,846 · within the margin of this tract |
| Tract 7028 | 109th | $144,351±$44,582 |
| Tract 7014.08 | 110th | $143,966±$32,479 · within the margin of this tract |
| Tract 7040 | 111th | $141,000±$37,863 · within the margin of this tract |
| Tract 7048.04 | 112th | $139,012±$37,926 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 7028?
3 of the 18 figures for Census Tract 7028 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections