Smith Island, MD population, income and ZIP codes

Smith Island CDP is a very small community in Maryland, with 340 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #413 of 536 ranked by population — larger than 22% of them. The median age here is 57.2 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Smith Island CDP earn a median of $82,443 a year, 5% above the national figure of $78,538 and 24% 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 17.9% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Smith Island CDP is valued at $104,800, 65.5% below the national figure and 74% below the $397,200 peer median, while median gross rent runs not published a month. The home-price-to-income ratio works out to 1.3×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 87.7% 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. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 57.2 puts Smith Island 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. 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.

The Census withheld gross rent for Smith Island CDP because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.