PlainZIP

Finksburg, MD · standard

ZIP Code 21048

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

10,650
152/sq mi
$131,921
Median income
$459,000
Median home value
47.3%
Bachelor's or higher

The verdict

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

Top 7%
household income, US ZIPs
Top 16%
home value, US ZIPs
152
people per sq mi
98%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21048 against every reporting US ZIP.

ZIP code 21048 is a mid-sized community (a standard USPS delivery area) in Finksburg, Carroll County, Maryland, home to 10,650 residents across 70.1 square miles, a density of 152 people per square mile, in the New York time zone.

ZIP 21048 skews affluent, with a median household income of $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%. Median home value sits at $459,000 (3% above the state average), median rent at - a month, and owner-occupancy at 97.8%.

A solid share of residents have a four-year degree: 47.3% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 39 minutes. Beyond these figures, 9 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Carroll County, letting you compare 21048 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 21048

Top 5 sectors by establishment count in Finksburg, MD

Which industries have the most business establishments in ZIP 21048.

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 21048, Finksburg, 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

10,650

Population

70.1

Area (sq mi)

152

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 21048?

41.7

Median Age

53.1%

Male

46.9%

Female

6.0%

Foreign-Born

White 87.0%
African American 1.0%
Asian 4.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.2%
Hispanic or Latino 3.7%

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

How ZIP 21048 ranks nationally

Finksburg, MD household income vs. every US ZIP code

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

$131,921 Top 7% higher than 93% 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 76.2%
Bachelor's Degree or Higher 47.3%

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

Owner 97.8%
Renter 2.2%

$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 21048 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 21048 ranks #7 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 21048 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 21048 ranks #4 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
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

21784 standard
Sykesville, MD
Pop: 37,941
21157 standard
Westminster, MD
Pop: 36,920
21158 standard
Westminster, MD
Pop: 20,234
21074 standard
Hampstead, MD
Pop: 15,084
21102 standard
Manchester, MD
Pop: 11,751
21787 standard
Taneytown, MD
Pop: 10,693

Related Areas

Carroll County Finksburg, MD Maryland

Frequently Asked Questions

What county is ZIP code 21048 in? ▼
ZIP code 21048 (Finksburg) is located in Carroll County, Maryland. Carroll County contains multiple ZIP codes, see the full list at /counties/carroll-md.
What is the population of ZIP code 21048? ▼
ZIP code 21048 in Finksburg, MD has a population of 10,650 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21048? ▼
The median household income in ZIP 21048 is $131,921, which is 73% above the national average of $76,288.
What is the average home value in ZIP 21048? ▼
The median home value in ZIP 21048 is $459,000, which is 65% above the national average of $278,155.
What is the demographic makeup of ZIP 21048? ▼
The largest racial group in ZIP 21048 is White at 87.0%. Hispanic or Latino residents make up 3.7% of the population.
How many businesses are in ZIP code 21048? ▼
ZIP code 21048 has 278 business establishments employing approximately 2,368 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21048? ▼
The top industries by establishment count in ZIP 21048 are: Construction (64), Professional, scientific, and technical services (32), Administrative and support and waste management and remediation services (31). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 21048? ▼
According to the FHFA House Price Index, home values in ZIP 21048 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 158%. 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 21048? ▼
In ZIP code 21048, 76.2% of residents aged 25+ have a high school diploma or higher, and 47.3% 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 21048? ▼
The mean commute time for workers in ZIP code 21048 is 38.7 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 21048? ▼
In ZIP code 21048, approximately 97.8% of occupied housing units are owner-occupied and 2.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21048? ▼
The poverty rate in ZIP code 21048 is 1.9% 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.