Havre De Grace, MD · standard
ZIP Code 21078
Harford County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,603
- 225/sq mi High-density area
- $106,667
- Median income Above-median income area
- $385,600
- Median home value Above-median home value
- 41.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Havre De Grace pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 15%
- household income, US ZIPs
- Top 22%
- home value, US ZIPs
- 225
- people per sq mi
- 77%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21078 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 21078 (Havre De Grace, MD) rose +18.5% from 2023 to 2024. The all-transactions index moved from 237.2 in 2023 to 281.1 in 2024 (2000 = 100).
ZIP code 21078 is a mid-sized community (a standard USPS delivery area) in Havre De Grace, Harford County, Maryland, home to 17,603 residents across 78.2 square miles, a density of 225 people per square mile, in the New York time zone.
ZIP 21078 lands in the middle-income range, with a median household income of $106,667 (7% below the average Maryland ZIP), while per-capita income is $53,163. The poverty rate is 8.5%, with unemployment at 3.5%; those measures add context to the income figure. Median home value is $385,600 (14% below the average Maryland ZIP) and median rent is $1,433; 77.0% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 41.6% of adults hold a bachelor's degree or higher, the median age is 46.8, and the average commute is 28 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Harford County, so 21078 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 21078
Top 5 sectors by establishment count in Havre De Grace, MD
Which industries have the most business establishments in ZIP 21078.
- Health care and social assistance
Health care and social assistance
64 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
45 establishments
- Other services (except public administration)
Other services (except public administration)
45 establishments
- Retail trade
Retail trade
40 establishments
- Accommodation and food services
Accommodation and food services
39 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 21078, Havre De Grace, 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
17,603
Population
78.2
Area (sq mi)
225
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 21078?
46.8
Median Age
47.0%
Male
53.0%
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?
$106,667
Median Household Income
-7% vs state ZIP avg
$53,163
Per Capita Income
8.5%
Poverty Rate
3.5%
Unemployment Rate
28.4 min
Mean Commute Time
How ZIP 21078 ranks among Maryland ZIPs
Havre De Grace, 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)
$106,667 Top 49% higher than 51% 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
8,869housing units
8,869
Total Housing Units
8,476
Occupied Units
393
Vacant Units
2.34
Avg Household Size
Occupancy Type
$385,600
Median Home Value
-14% vs state ZIP avg
$1,433
Median Rent
1988
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
+18.5%
YoY Change (2024)
281
HPI Index (2000 = 100)
+181%
Total Change Since 2000
Home values in ZIP 21078 have increased 18.5% over the past year (2024). Since 2000, this ZIP has seen +181% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.6% | 183 |
| 2021 | +7.6% | 197 |
| 2022 | +22.8% | 242 |
| 2023 | -1.9% | 237 |
| 2024 | +18.5% | 281 |
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 397 business establishments in ZIP 21078, employing approximately 5,525 people with a combined annual payroll of $325,587,000.
397
Businesses
5,525
Employees
$325.6M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 64 | 16.1% |
| Professional, scientific, and technical services | 45 | 11.3% |
| Other services (except public administration) | 45 | 11.3% |
| Retail trade | 40 | 10.1% |
| Accommodation and food services | 39 | 9.8% |
| Construction | 37 | 9.3% |
| Administrative and support and waste management and remediation services | 21 | 5.3% |
| Real estate and rental and leasing | 18 | 4.5% |
| Finance and insurance | 17 | 4.3% |
| Manufacturing | 15 | 3.8% |
| Wholesale trade | 15 | 3.8% |
| Transportation and warehousing | 13 | 3.3% |
| Arts, entertainment, and recreation | 13 | 3.3% |
| Information | 6 | 1.5% |
| Educational services | 5 | 1.3% |
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 21078 vs 21028 →
ZIP 21078 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21001
Aberdeen (21001)
21,487 residents
- 21078
Havre De Grace (21078)
17,603 residents
- 21904 7,252
Port Deposit (21904)
7,252 residents
- 21903 5,687
Perryville (21903)
5,687 residents
- 21918 4,284
Conowingo (21918)
4,284 residents
- 21028 3,460
Churchville (21028)
3,460 residents
- 21034 3,387
Darlington (21034)
3,387 residents
- 21917 2,520
Colora (21917)
2,520 residents
- 21005 2,112
Aberdeen Proving Ground (21005)
2,112 residents
What this shows Among its immediate neighbors, ZIP 21078 ranks #2 by population - useful context the national average alone can't give.
ZIP 21078 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
- 21005
Aberdeen Proving Ground (21005)
$125,208 median income
- 21078
Havre De Grace (21078)
$106,667 median income
- 21917
Colora (21917)
$96,750 median income
- 21904
Port Deposit (21904)
$88,136 median income
- 21918
Conowingo (21918)
$84,587 median income
- 21001
Aberdeen (21001)
$83,238 median income
- 21903
Perryville (21903)
$78,962 median income
- 21034
Darlington (21034)
$78,047 median income
What this shows By household income, ZIP 21078 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 21028 | Churchville, MD | 3,460 | 5.0 mi |
| 21902 | Perry Point, MD | 471 | 4.7 mi |
| 21001 | Aberdeen, MD | 21,487 | 4.9 mi |
| 21903 | Perryville, MD | 5,687 | 5.8 mi |
| 21904 | Port Deposit, MD | 7,252 | 5.3 mi |
| 21005 | Aberdeen Proving Ground, MD | 2,112 | 6.8 mi |
| 21918 | Conowingo, MD | 4,284 | 8.0 mi |
| 21130 | Perryman, MD | 187 | 6.8 mi |
| 21917 | Colora, MD | 2,520 | 7.5 mi |
| 21034 | Darlington, MD | 3,387 | 6.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21078, 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 (17,603 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 21078 in?
ZIP code 21078 (Havre De Grace) 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 21078?
ZIP code 21078 in Havre De Grace, MD has a population of 17,603 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21078?
The median household income in ZIP 21078 is $106,667, which is 40% above the national average of $76,288.
What is the average home value in ZIP 21078?
The median home value in ZIP 21078 is $385,600, which is 39% above the national average of $278,155.
What is the demographic makeup of ZIP 21078?
The largest racial group in ZIP 21078 is White at 69.7%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 21078?
ZIP code 21078 has 397 business establishments employing approximately 5,525 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21078?
The top industries by establishment count in ZIP 21078 are: Health care and social assistance (64), Professional, scientific, and technical services (45), Other services (except public administration) (45). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 21078?
According to the FHFA House Price Index, home values in ZIP 21078 increased by 18.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 181%. 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 21078?
In ZIP code 21078, 64.9% of residents aged 25+ have a high school diploma or higher, and 41.6% 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 21078?
The mean commute time for workers in ZIP code 21078 is 28.4 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 21078?
In ZIP code 21078, approximately 77.0% of occupied housing units are owner-occupied and 23.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21078?
The poverty rate in ZIP code 21078 is 8.5% 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 21078's numbers, next.
- See how ZIP 21078 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Havre De Grace, 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.