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 Moderate-density area
- $137,586
- Median income Above-median income area
- $512,400
- Median home value Above-median home value
- 49.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 average Maryland ZIP), while per-capita income is $64,473. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.1% and unemployment is 2.3%. Median home value is $512,400 (15% above the average Maryland ZIP) and median rent is $2,080; 85.2% of occupied homes are owner-occupied.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Harford County, so 21028 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 21028
Top 5 sectors by establishment count in Churchville, MD
Which industries have the most business establishments in ZIP 21028.
- Construction
Construction
16 establishments
- Other services (except public administration)
Other services (except public administration)
14 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
9 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
7 establishments
- Real estate and rental and leasing 6
Real estate and rental and leasing
6 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 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
Who lives in ZIP 21028?
44.6
Median Age
50.1%
Male
49.9%
Female
4.4%
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?
$137,586
Median Household Income
+21% vs state ZIP avg
$64,473
Per Capita Income
3.1%
Poverty Rate
2.3%
Unemployment Rate
31.0 min
Mean Commute Time
How ZIP 21028 ranks among Maryland ZIPs
Churchville, 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)
$137,586 Top 26% higher than 74% 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
1,134housing units
1,134
Total Housing Units
1,066
Occupied Units
68
Vacant Units
2.91
Avg Household Size
Occupancy Type
$512,400
Median Home Value
+15% vs state ZIP avg
$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.
- 21014
Bel Air (21014)
36,047 residents
- 21009
Abingdon (21009)
29,766 residents
- 21015
Bel Air (21015)
27,763 residents
- 21040
Edgewood (21040)
24,420 residents
- 21001
Aberdeen (21001)
21,487 residents
- 21050
Forest Hill (21050)
18,202 residents
- 21078
Havre De Grace (21078)
17,603 residents
- 21017 7,062
Belcamp (21017)
7,062 residents
- 21028 3,460
Churchville (21028)
3,460 residents
What this shows Among its immediate neighbors, ZIP 21028 ranks #9 by population - useful context the national average alone can't give.
ZIP 21028 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21028
Churchville (21028)
$137,586 median income
- 21015
Bel Air (21015)
$137,281 median income
- 21050
Forest Hill (21050)
$125,208 median income
- 21009
Abingdon (21009)
$121,660 median income
- 21014
Bel Air (21014)
$116,970 median income
- 21017
Belcamp (21017)
$106,831 median income
- 21078
Havre De Grace (21078)
$106,667 median income
- 21001
Aberdeen (21001)
$83,238 median income
- 21040
Edgewood (21040)
$81,704 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21028, 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 (3,460 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Harford County
Related Areas
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.
Related
Take this with you
What to do with ZIP 21028's numbers, next.
- See how ZIP 21028 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Churchville, 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.