PlainZIP

Bel Air, MD · standard

ZIP Code 21015

Harford County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

27,763
347/sq mi
$137,281
Median income
$443,400
Median home value
53.4%
Bachelor's or higher

The verdict

Bel Air pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 6%
household income, US ZIPs
Top 17%
home value, US ZIPs
347
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21015 against every reporting US ZIP.

ZIP code 21015 is a densely settled ZIP (a standard USPS delivery area) in Bel Air, Harford County, Maryland, with 27,763 residents across 80.1 square miles, a density of 347 people per square mile, in the New York time zone.

ZIP 21015 skews affluent, with a median household income of $137,281 (20% above the Maryland average), while per-capita income is $58,462. 5.0% of residents live below the poverty line, and the unemployment rate reads 4.1%. Median home value sits at $443,400 (1% below the state average), median rent at $1,752 a month, and owner-occupancy at 89.1%.

This is a highly-educated ZIP: 53.4% of adults hold a bachelor's degree or higher, the median age is 40.4, and the average commute is 32 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Harford County, letting you compare 21015 to its immediate surroundings rather than a national baseline alone.

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 21015

Top 5 sectors by establishment count in Bel Air, MD

Which industries have the most business establishments in ZIP 21015.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 21015, Bel Air, 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

27,763

Population

80.1

Area (sq mi)

347

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 21015?

40.4

Median Age

48.5%

Male

51.5%

Female

5.9%

Foreign-Born

White 83.0%
African American 4.9%
Asian 4.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.2%
Hispanic or Latino 5.1%

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?

$137,281

Median Household Income

+20% vs state

$58,462

Per Capita Income

5.0%

Poverty Rate

4.1%

Unemployment Rate

31.6 min

Mean Commute Time

How ZIP 21015 ranks nationally

Bel Air, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$137,281 Top 6% higher than 94% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 73.4%
Bachelor's Degree or Higher 53.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,408

Total Housing Units

11,012

Occupied Units

396

Vacant Units

2.72

Avg Household Size

Occupancy Type

Owner 89.1%
Renter 10.9%

$443,400

Median Home Value

-1% vs state

$1,752

Median Rent

1991

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

+1.1%

YoY Change (2024)

247

HPI Index (2000 = 100)

+147%

Total Change Since 2000

Home values in ZIP 21015 have increased 1.1% over the past year (2024). Since 2000, this ZIP has seen +147% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.8% 186
2021 +9.8% 204
2022 +11.6% 228
2023 +7.4% 245
2024 +1.1% 247

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 624 business establishments in ZIP 21015, employing approximately 6,216 people with a combined annual payroll of $249,319,000.

624

Businesses

6,216

Employees

$249.3M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 99 15.9%
Professional, scientific, and technical services 80 12.8%
Retail trade 71 11.4%
Other services (except public administration) 68 10.9%
Construction 61 9.8%
Accommodation and food services 60 9.6%
Finance and insurance 37 5.9%
Real estate and rental and leasing 37 5.9%
Administrative and support and waste management and remediation services 29 4.7%
Wholesale trade 18 2.9%
Transportation and warehousing 17 2.7%
Information 16 2.6%
Arts, entertainment, and recreation 15 2.4%
Educational services 11 1.8%

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 21015 vs 21014 →

ZIP 21015 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 21015 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 21015 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 21015 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
21014 Bel Air, MD 36,047 3.0 mi
21028 Churchville, MD 3,460 3.2 mi
21009 Abingdon, MD 29,766 5.3 mi
21040 Edgewood, MD 24,420 7.9 mi
21017 Belcamp, MD 7,062 5.8 mi
21001 Aberdeen, MD 21,487 5.7 mi
21050 Forest Hill, MD 18,202 5.8 mi
21085 Joppa, MD 16,171 7.5 mi
21047 Fallston, MD 11,873 7.7 mi
21154 Street, MD 6,464 8.0 mi

More ZIP Codes in Harford County

21014 standard
Bel Air, MD
Pop: 36,047
21009 standard
Abingdon, MD
Pop: 29,766
21040 standard
Edgewood, MD
Pop: 24,420
21001 standard
Aberdeen, MD
Pop: 21,487
21050 standard
Forest Hill, MD
Pop: 18,202
21078 standard
Havre De Grace, MD
Pop: 17,603

Related Areas

Harford County Bel Air, MD Maryland

Frequently Asked Questions

What county is ZIP code 21015 in? ▼
ZIP code 21015 (Bel Air) is located in Harford County, Maryland. Harford County contains multiple ZIP codes, see the full list at /counties/harford-md.
What is the population of ZIP code 21015? ▼
ZIP code 21015 in Bel Air, MD has a population of 27,763 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21015? ▼
The median household income in ZIP 21015 is $137,281, which is 80% above the national average of $76,288.
What is the average home value in ZIP 21015? ▼
The median home value in ZIP 21015 is $443,400, which is 59% above the national average of $278,155.
What is the demographic makeup of ZIP 21015? ▼
The largest racial group in ZIP 21015 is White at 83.0%. Hispanic or Latino residents make up 5.1% of the population.
How many businesses are in ZIP code 21015? ▼
ZIP code 21015 has 624 business establishments employing approximately 6,216 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21015? ▼
The top industries by establishment count in ZIP 21015 are: Health care and social assistance (99), Professional, scientific, and technical services (80), Retail trade (71). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 21015? ▼
According to the FHFA House Price Index, home values in ZIP 21015 increased by 1.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 147%. 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 21015? ▼
In ZIP code 21015, 73.4% of residents aged 25+ have a high school diploma or higher, and 53.4% 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 21015? ▼
The mean commute time for workers in ZIP code 21015 is 31.6 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 21015? ▼
In ZIP code 21015, approximately 89.1% of occupied housing units are owner-occupied and 10.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21015? ▼
The poverty rate in ZIP code 21015 is 5.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.