Arnold, MD · standard
ZIP Code 21012
Anne Arundel County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 21,317
- 843/sq mi High-density area
- $139,432
- Median income Above-median income area
- $563,800
- Median home value Above-median home value
- 57.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Arnold pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 5%
- household income, US ZIPs
- Top 11%
- home value, US ZIPs
- 843
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21012 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 21012 (Arnold, MD) rose +9.3% from 2023 to 2024. The all-transactions index moved from 252.6 in 2023 to 276.1 in 2024 (2000 = 100).
ZIP code 21012 is a densely settled ZIP (a standard USPS delivery area) in Arnold, Anne Arundel County, Maryland, with 21,317 residents across 25.3 square miles, a density of 843 people per square mile, in the New York time zone.
ZIP 21012 skews affluent, with a median household income of $139,432 (22% above the average Maryland ZIP), while per-capita income is $63,734. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.3% and unemployment is 2.6%. Housing is both higher-cost and owner-heavy: median home value is $563,800 (26% above the average Maryland ZIP), while 86.3% of occupied homes are owner-occupied and median rent is $2,166.
This is a highly-educated ZIP: 57.5% of adults hold a bachelor's degree or higher, the median age is 38, and the average commute is 28 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Anne Arundel County, so 21012 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 21012
Top 5 sectors by establishment count in Arnold, MD
Which industries have the most business establishments in ZIP 21012.
- Health care and social assistance
Health care and social assistance
73 establishments
- Construction
Construction
52 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
52 establishments
- Retail trade
Retail trade
33 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
33 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 21012, Arnold, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
21,317
Population
25.3
Area (sq mi)
843
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 21012?
38.0
Median Age
49.6%
Male
50.4%
Female
7.6%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$139,432
Median Household Income
+22% vs state ZIP avg
$63,734
Per Capita Income
3.3%
Poverty Rate
2.6%
Unemployment Rate
28.2 min
Mean Commute Time
How ZIP 21012 ranks among Maryland ZIPs
Arnold, MD household income vs. every Maryland ZIP code
Median household income among 419 reporting Maryland ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$139,432 Top 25% higher than 75% of 419 Maryland ZIPs
Each bar is a $20K-wide band; taller bars hold more Maryland ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
8,542housing units
8,542
Total Housing Units
8,275
Occupied Units
267
Vacant Units
2.70
Avg Household Size
Occupancy Type
$563,800
Median Home Value
+26% vs state ZIP avg
$2,166
Median Rent
1980
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+9.3%
YoY Change (2024)
276
HPI Index (2000 = 100)
+176%
Total Change Since 2000
Home values in ZIP 21012 have increased 9.3% over the past year (2024). Since 2000, this ZIP has seen +176% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.0% | 211 |
| 2021 | +8.4% | 229 |
| 2022 | +9.4% | 250 |
| 2023 | +0.9% | 253 |
| 2024 | +9.3% | 276 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 404 business establishments in ZIP 21012, employing approximately 3,428 people with a combined annual payroll of $151,689,000.
404
Businesses
3,428
Employees
$151.7M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 73 | 18.1% |
| Construction | 52 | 12.9% |
| Professional, scientific, and technical services | 52 | 12.9% |
| Retail trade | 33 | 8.2% |
| Administrative and support and waste management and remediation services | 33 | 8.2% |
| Accommodation and food services | 33 | 8.2% |
| Real estate and rental and leasing | 30 | 7.4% |
| Other services (except public administration) | 28 | 6.9% |
| Finance and insurance | 18 | 4.5% |
| Wholesale trade | 15 | 3.7% |
| Information | 11 | 2.7% |
| Educational services | 10 | 2.5% |
| Arts, entertainment, and recreation | 9 | 2.2% |
| Manufacturing | 5 | 1.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 21012 vs 21405 →
ZIP 21012 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21122
Pasadena (21122)
60,576 residents
- 21401
Annapolis (21401)
36,012 residents
- 21403
Annapolis (21403)
30,269 residents
- 21146
Severna Park (21146)
26,705 residents
- 21012 21,317
Arnold (21012)
21,317 residents
- 21409 20,064
Annapolis (21409)
20,064 residents
- 21108 17,964
Millersville (21108)
17,964 residents
- 21032 8,848
Crownsville (21032)
8,848 residents
- 21402 5,217
Annapolis (21402)
5,217 residents
What this shows Among its immediate neighbors, ZIP 21012 ranks #5 by population - useful context the national average alone can't give.
ZIP 21012 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21056
Gibson Island (21056)
$250,000 median income
- 21146
Severna Park (21146)
$172,122 median income
- 21032
Crownsville (21032)
$168,653 median income
- 21405
Annapolis (21405)
$160,703 median income
- 21108
Millersville (21108)
$151,324 median income
- 21409
Annapolis (21409)
$147,151 median income
- 21012
Arnold (21012)
$139,432 median income
- 21122
Pasadena (21122)
$127,587 median income
- 21401
Annapolis (21401)
$123,381 median income
What this shows By household income, ZIP 21012 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 21405 | Annapolis, MD | 544 | 3.1 mi |
| 21409 | Annapolis, MD | 20,064 | 3.2 mi |
| 21122 | Pasadena, MD | 60,576 | 5.1 mi |
| 21402 | Annapolis, MD | 5,217 | 4.2 mi |
| 21056 | Gibson Island, MD | 267 | 3.7 mi |
| 21146 | Severna Park, MD | 26,705 | 3.9 mi |
| 21403 | Annapolis, MD | 30,269 | 7.0 mi |
| 21401 | Annapolis, MD | 36,012 | 4.8 mi |
| 21032 | Crownsville, MD | 8,848 | 5.8 mi |
| 21108 | Millersville, MD | 17,964 | 7.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21012, both outside MD so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (21,317 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Anne Arundel County
Related Areas
Frequently Asked Questions
What county is ZIP code 21012 in?
ZIP code 21012 (Arnold) is located in Anne Arundel County, Maryland. Anne Arundel County contains multiple ZIP codes, see the full list at /counties/anne-arundel-md.
What is the population of ZIP code 21012?
ZIP code 21012 in Arnold, MD has a population of 21,317 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21012?
The median household income in ZIP 21012 is $139,432, which is 83% above the national average of $76,288.
What is the average home value in ZIP 21012?
The median home value in ZIP 21012 is $563,800, which is 103% above the national average of $278,155.
What is the demographic makeup of ZIP 21012?
The largest racial group in ZIP 21012 is White at 81.9%. Hispanic or Latino residents make up 10.0% of the population.
How many businesses are in ZIP code 21012?
ZIP code 21012 has 404 business establishments employing approximately 3,428 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21012?
The top industries by establishment count in ZIP 21012 are: Health care and social assistance (73), Construction (52), Professional, scientific, and technical services (52). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 21012?
According to the FHFA House Price Index, home values in ZIP 21012 increased by 9.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 176%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 21012?
In ZIP code 21012, 70.5% of residents aged 25+ have a high school diploma or higher, and 57.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 21012?
The mean commute time for workers in ZIP code 21012 is 28.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 21012?
In ZIP code 21012, approximately 86.3% of occupied housing units are owner-occupied and 13.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21012?
The poverty rate in ZIP code 21012 is 3.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 21012's numbers, next.
- See how ZIP 21012 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Arnold, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.