ZIP code 21813

ZIP 21813 is a small town in Worcester County, Maryland, with 2,936 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #276 of 477 ranked by population — larger than 42% of them. The median age here is 54.9 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 ZIP 21813 earn a median of $102,332 a year, 30.3% above the national figure of $78,538. 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 4.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 21813 is valued at $562,600, 85.4% above the national figure, while median gross rent runs $979 a month, 30.4% below the national figure, or roughly $11,748 across a full year. A household on the local median income would put about 11.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 5.5×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 81.9% 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 54.9 puts ZIP 21813 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.

ZIP 21813 is tabulated inside Worcester County, Maryland, one of 10 ZIP areas the Census publishes for that county and 477 across Maryland. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 21813 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 21813 reports a median household income of $102,332, 17% above the $87,717 county median, and close to the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of $562,600, 72% above the county figure and 40% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $979 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Maryland charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 21813.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 21813 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.