Ocean Pines, MD population, income and ZIP codes

Ocean Pines CDP is a mid-size town in Maryland, with 12,028 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #118 of 536 ranked by population — larger than 78% of them. The median age here is 63 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 Ocean Pines CDP earn a median of $91,400 a year, 16.4% above the national figure of $78,538 and 16% below the $109,026 median for the 332 Maryland cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 4.5% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Ocean Pines CDP is valued at $352,600, 16.2% above the national figure and 11% below the $397,200 peer median, while median gross rent runs $1,923 a month, 36.8% above the national figure, or roughly $23,076 across a full year. A household on the local median income would put about 25.2% 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 3.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 88.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. 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.

A median age of 63 puts Ocean Pines CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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.