PlainZIP

Churchville, MD · standard

ZIP Code 21028

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

3,460
98/sq mi
$137,586
Median income
$512,400
Median home value
49.6%
Bachelor's or higher

The verdict

Churchville pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 5%
household income, US ZIPs
Top 12%
home value, US ZIPs
98
people per sq mi
85%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21028 against every reporting US ZIP.

ZIP code 21028 covers 35.2 square miles in Churchville, Harford County, Maryland (a standard USPS delivery area), with a modest 3,460 residents on file, a density of 98 people per square mile, in the New York time zone.

ZIP 21028 skews affluent, with a median household income of $137,586 (21% above the Maryland average), while per-capita income is $64,473. 3.1% of residents live below the poverty line, and the unemployment rate reads 2.3%. Median home value sits at $512,400 (15% above the state average), median rent at $2,080 a month, and owner-occupancy at 85.2%.

A solid share of residents have a four-year degree: 49.6% of adults hold a bachelor's degree or higher, the median age is 44.6, and the average commute is 31 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Harford County, so you can benchmark 21028 against its immediate geography rather than a national average 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 21028

Top 5 sectors by establishment count in Churchville, MD

Which industries have the most business establishments in ZIP 21028.

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 21028, Churchville, 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

3,460

Population

35.2

Area (sq mi)

98

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 21028?

44.6

Median Age

50.1%

Male

49.9%

Female

4.4%

Foreign-Born

White 82.0%
African American 1.4%
Asian 4.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.8%
Hispanic or Latino 5.5%

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?

$137,586

Median Household Income

+21% vs state

$64,473

Per Capita Income

3.1%

Poverty Rate

2.3%

Unemployment Rate

31.0 min

Mean Commute Time

How ZIP 21028 ranks nationally

Churchville, MD household income vs. every US ZIP code

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

$137,586 Top 5% higher than 95% 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 76.7%
Bachelor's Degree or Higher 49.6%

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

What does housing look like?

1,134

Total Housing Units

1,066

Occupied Units

68

Vacant Units

2.91

Avg Household Size

Occupancy Type

Owner 85.2%
Renter 14.8%

$512,400

Median Home Value

+15% vs state

$2,080

Median Rent

1973

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

+9.9%

YoY Change (2024)

252

HPI Index (2000 = 100)

+152%

Total Change Since 2000

Home values in ZIP 21028 have increased 9.9% over the past year (2024). Since 2000, this ZIP has seen +152% cumulative appreciation.

Year Annual Change HPI Index
2019 +3.5% 173
2020 +4.1% 180
2021 +7.3% 193
2022 +9.9% 212
2024 – 252

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 74 business establishments in ZIP 21028, employing approximately 629 people with a combined annual payroll of $45,444,000.

74

Businesses

629

Employees

$45.4M

Annual Payroll

8

Industry Sectors

Industry Establishments % of Total
Construction 16 21.6%
Other services (except public administration) 14 18.9%
Administrative and support and waste management and remediation services 9 12.2%
Professional, scientific, and technical services 7 9.5%
Real estate and rental and leasing 6 8.1%
Health care and social assistance 6 8.1%
Arts, entertainment, and recreation 4 5.4%
Accommodation and food services 3 4.0%

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 21028 vs 21015 →

ZIP 21028 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 21028 ranks #9 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 21028 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 21028 ranks the highest 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
21015 Bel Air, MD 27,763 3.2 mi
21078 Havre De Grace, MD 17,603 5.0 mi
21017 Belcamp, MD 7,062 6.3 mi
21001 Aberdeen, MD 21,487 4.5 mi
21034 Darlington, MD 3,387 5.8 mi
21130 Perryman, MD 187 6.8 mi
21014 Bel Air, MD 36,047 6.2 mi
21009 Abingdon, MD 29,766 7.3 mi
21050 Forest Hill, MD 18,202 8.1 mi
21040 Edgewood, MD 24,420 9.7 mi

More ZIP Codes in Harford County

21014 standard
Bel Air, MD
Pop: 36,047
21009 standard
Abingdon, MD
Pop: 29,766
21015 standard
Bel Air, MD
Pop: 27,763
21040 standard
Edgewood, MD
Pop: 24,420
21001 standard
Aberdeen, MD
Pop: 21,487
21050 standard
Forest Hill, MD
Pop: 18,202

Related Areas

Harford County Churchville, MD Maryland

Frequently Asked Questions

What county is ZIP code 21028 in? ▼
ZIP code 21028 (Churchville) 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 21028? ▼
ZIP code 21028 in Churchville, MD has a population of 3,460 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21028? ▼
The median household income in ZIP 21028 is $137,586, which is 80% above the national average of $76,288.
What is the average home value in ZIP 21028? ▼
The median home value in ZIP 21028 is $512,400, which is 84% above the national average of $278,155.
What is the demographic makeup of ZIP 21028? ▼
The largest racial group in ZIP 21028 is White at 82.0%. Hispanic or Latino residents make up 5.5% of the population.
How many businesses are in ZIP code 21028? ▼
ZIP code 21028 has 74 business establishments employing approximately 629 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21028? ▼
The top industries by establishment count in ZIP 21028 are: Construction (16), Other services (except public administration) (14), Administrative and support and waste management and remediation services (9). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 21028? ▼
According to the FHFA House Price Index, home values in ZIP 21028 increased by 9.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 152%. 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 21028? ▼
In ZIP code 21028, 76.7% of residents aged 25+ have a high school diploma or higher, and 49.6% 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 21028? ▼
The mean commute time for workers in ZIP code 21028 is 31.0 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 21028? ▼
In ZIP code 21028, approximately 85.2% of occupied housing units are owner-occupied and 14.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21028? ▼
The poverty rate in ZIP code 21028 is 3.1% 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.