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 High-density area
- $131,921
- Median income Above-median income area
- $459,000
- Median home value Above-median home value
- 47.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 21048 (Finksburg, MD) rose +6.9% from 2023 to 2024. The all-transactions index moved from 241.1 in 2023 to 257.7 in 2024 (2000 = 100).
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 average Maryland ZIP), while per-capita income is $58,207. Both reported hardship measures are comparatively low in absolute terms: poverty is 1.9% and unemployment is 3.1%. Median home value is $459,000 (3% above the average Maryland ZIP); 97.8% of occupied homes are owner-occupied.
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. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Carroll County, so 21048 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 21048
Top 5 sectors by establishment count in Finksburg, MD
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 + 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
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 ZIP avg
$58,207
Per Capita Income
1.9%
Poverty Rate
3.1%
Unemployment Rate
38.7 min
Mean Commute Time
How ZIP 21048 ranks among Maryland ZIPs
Finksburg, 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)
$131,921 Top 30% higher than 70% 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
3,824housing units
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 ZIP avg
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.
- 21117
Owings Mills (21117)
53,778 residents
- 21784
Sykesville (21784)
37,941 residents
- 21157
Westminster (21157)
36,920 residents
- 21136
Reisterstown (21136)
33,781 residents
- 21133
Randallstown (21133)
29,998 residents
- 21074 15,084
Hampstead (21074)
15,084 residents
- 21048 10,650
Finksburg (21048)
10,650 residents
- 21104 4,601
Marriottsville (21104)
4,601 residents
- 21155 2,371
Upperco (21155)
2,371 residents
What this shows Among its immediate neighbors, ZIP 21048 ranks #7 by population - useful context the national average alone can't give.
ZIP 21048 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21071
Glyndon (21071)
$213,500 median income
- 21104
Marriottsville (21104)
$191,804 median income
- 21784
Sykesville (21784)
$139,395 median income
- 21048
Finksburg (21048)
$131,921 median income
- 21155
Upperco (21155)
$123,158 median income
- 21136
Reisterstown (21136)
$118,500 median income
- 21074
Hampstead (21074)
$108,536 median income
- 21157
Westminster (21157)
$104,966 median income
- 21117
Owings Mills (21117)
$101,831 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21048, 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 (10,650 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Carroll County
Related Areas
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.
Related
Take this with you
What to do with ZIP 21048's numbers, next.
- See how ZIP 21048 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Finksburg, 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.