ZIP Code 21048
standardSource:
Finksburg · Carroll County · Maryland
- Population
- 10,650
- Median income
- $131,921
- Median home value
- $459,000
- Bachelor's or higher
- 47.3%
- Land area
- 70.1 sq mi
152/sq mi
▲ 73% vs US
higher than 93% of US ZIPs
▲ 65% vs US
higher than 84% of US ZIPs
Median age 41.7
New York
ZIP code 21048 in Finksburg, Maryland has a population of 10,650. The median household income is $131,921, which is 73% above the national average. Median home value is $459,000, 65% above the US average. 47.3% of residents hold a bachelor's degree or higher.
ZIP code 21048 is classified by USPS as a standard delivery area and covers roughly 70.1 square miles in Finksburg, Carroll County, Maryland. The area is home to 10,650 residents, producing a population density of 152 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 21048 against Maryland and the nation.
On the economic side, the median household income for ZIP 21048 sits at $131,921 (16% above the Maryland average), while per-capita income is $58,207. The poverty rate stands at 1.9% and the unemployment rate at 3.1%. On housing, the median home value is $459,000 (3% above the state average) with median rent at — per month, and 97.8% of occupied units are owner-occupied, a direct signal of whether 21048 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 47.3% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 39 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Carroll County, so you can benchmark 21048 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 21048
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 21048.
- Construction
Construction
64 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
32 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
31 establishments
- Other services (except public administration)
Other services (except public administration)
30 establishments
- Retail trade 25
Retail trade
25 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 21048, Finksburg, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
10,650
Population
70.1
Area (sq mi)
152
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 21048?
41.7
Median Age
53.1%
Male
46.9%
Female
6.0%
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?
$131,921
Median Household Income
+16% vs state
$58,207
Per Capita Income
1.9%
Poverty Rate
3.1%
Unemployment Rate
38.7 min
Mean Commute Time
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?
3,824
Total Housing Units
3,723
Occupied Units
101
Vacant Units
2.81
Avg Household Size
Occupancy Type
$459,000
Median Home Value
+3% vs state
1981
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
+6.9%
YoY Change (2024)
258
HPI Index (2000 = 100)
+158%
Total Change Since 2000
Home values in ZIP 21048 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +158% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.6% | 180 |
| 2021 | +9.0% | 196 |
| 2022 | +14.3% | 224 |
| 2023 | +7.6% | 241 |
| 2024 | +6.9% | 258 |
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 278 business establishments in ZIP 21048, employing approximately 2,368 people with a combined annual payroll of $137,451,000.
278
Businesses
2,368
Employees
$137.5M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 64 | 23.0% |
| Professional, scientific, and technical services | 32 | 11.5% |
| Administrative and support and waste management and remediation services | 31 | 11.2% |
| Other services (except public administration) | 30 | 10.8% |
| Retail trade | 25 | 9.0% |
| Health care and social assistance | 19 | 6.8% |
| Wholesale trade | 16 | 5.8% |
| Finance and insurance | 14 | 5.0% |
| Accommodation and food services | 12 | 4.3% |
| Transportation and warehousing | 9 | 3.2% |
| Real estate and rental and leasing | 7 | 2.5% |
| Manufacturing | 5 | 1.8% |
| Information | 5 | 1.8% |
| Educational services | 5 | 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 21048 vs 21136 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 21136 | Reisterstown, MD | 33,781 | 5.4 mi |
| 21071 | Glyndon, MD | 497 | 5.4 mi |
| 21157 | Westminster, MD | 36,920 | 5.3 mi |
| 21104 | Marriottsville, MD | 4,601 | 10.1 mi |
| 21784 | Sykesville, MD | 37,941 | 7.3 mi |
| 21155 | Upperco, MD | 2,371 | 7.6 mi |
| 21074 | Hampstead, MD | 15,084 | 9.2 mi |
| 21117 | Owings Mills, MD | 53,778 | 8.5 mi |
| 21133 | Randallstown, MD | 29,998 | 9.8 mi |
More ZIP Codes in Carroll County
Related Areas
Frequently Asked Questions
What county is ZIP code 21048 in? ▼
What is the population of ZIP code 21048? ▼
What is the median household income in ZIP 21048? ▼
What is the average home value in ZIP 21048? ▼
What is the demographic makeup of ZIP 21048? ▼
How many businesses are in ZIP code 21048? ▼
What are the main industries in ZIP code 21048? ▼
How have home values changed in ZIP code 21048? ▼
What is the education level in ZIP code 21048? ▼
What is the average commute time in ZIP 21048? ▼
What percentage of residents own vs. rent in ZIP 21048? ▼
What is the poverty rate in ZIP code 21048? ▼
ZIP Code Research Guides
Official Data Resources for Finksburg, MD
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.