ZIP code 21864

ZIP 21864 is a very small community in Worcester County, Maryland, with 667 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #376 of 477 ranked by population — larger than 21% of them. The median age here is 43 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 21864 earn a median of $87,717 a year, 11.7% 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 1.6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 21864 is valued at $173,100, 42.9% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 2×, 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. 83.7% 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. 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.

With 667 residents, a handful of survey responses moves every median on this page. Compare ZIP 21864 against its county rather than against national figures.

The Census withheld gross rent for ZIP 21864 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.

ZIP 21864 is tabulated inside Worcester County, Maryland, one of 10 ZIP areas the Census publishes for that county and 477 across Maryland. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 21864 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 21864 reports a median household income of $87,717, close to the $87,717 county median, and 16% below the $104,338 typical MD ZIP. Owner-occupied homes are valued at a median of $173,100, 47% below the county figure and 57% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published 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 21864.

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 21864 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.