PlainZIP

Luke, MD · standard

ZIP Code 21540

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

65
93/sq mi
$81,250
Median income
$51,000
Median home value
11.5%
Bachelor's or higher

The verdict

Luke pairs an above-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

Top 36%
household income, US ZIPs
1th pct
home value, US ZIPs
93
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21540 against every reporting US ZIP.

ZIP code 21540 is a sparsely populated ZIP (a standard USPS delivery area) in Luke, Allegany County, Maryland, home to just 65 residents across 0.7 square miles, a density of 93 people per square mile, in the New York time zone.

ZIP 21540 lands in the middle-income range, with a median household income of $81,250 (29% below the Maryland average), while per-capita income is $32,897. Local economic indicators show a 2.2% poverty rate alongside 9.8% unemployment. On housing, the median home value is $51,000 (89% below the state average) with median rent at - per month, and 88.6% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 11.5% of adults hold a bachelor's degree or higher, the median age is 44.5, and the average commute is -. To put 21540 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Allegany County, for a geography-aware comparison.

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 →

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 21540, Luke, 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

65

Population

0.7

Area (sq mi)

93

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 21540?

44.5

Median Age

59.6%

Male

40.4%

Female

0.0%

Foreign-Born

White 97.8%
African American 1.1%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.1%
Hispanic or Latino 1.1%

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?

$81,250

Median Household Income

-29% vs state

$32,897

Per Capita Income

2.2%

Poverty Rate

9.8%

Unemployment Rate

How ZIP 21540 ranks nationally

Luke, MD household income vs. every US ZIP code

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

$81,250 Top 36% higher than 64% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $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 85.2%
Bachelor's Degree or Higher 11.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

47

Total Housing Units

35

Occupied Units

12

Vacant Units

2.49

Avg Household Size

Occupancy Type

Owner 88.6%
Renter 11.4%

$51,000

Median Home Value

-89% vs state

1938

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

Nearby ZIP Codes

Want a side-by-side? Compare 21540 vs 26750 →

ZIP 21540 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 21540 ranks #0 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 21540 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 21540 ranks the highest 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
26750 Piedmont, WV 891 0.8 mi
21523 Bloomington, MD 286 1.1 mi
21562 Westernport, MD 3,141 1.9 mi
21521 Barton, MD 1,265 4.9 mi
26726 Keyser, WV 13,306 6.4 mi
21561 Swanton, MD 2,627 7.6 mi
21539 Lonaconing, MD 2,819 8.8 mi
21557 Rawlings, MD 1,895 7.9 mi
21542 Midland, MD 483 10.1 mi
26717 Elk Garden, WV 1,170 11.1 mi

More ZIP Codes in Allegany County

21502 standard
Cumberland, MD
Pop: 44,400
21532 standard
Frostburg, MD
Pop: 15,620
21562 standard
Westernport, MD
Pop: 3,141
21539 standard
Lonaconing, MD
Pop: 2,819
21545 standard
Mount Savage, MD
Pop: 1,940
21555 standard
Oldtown, MD
Pop: 1,936

Related Areas

Allegany County Luke, MD Maryland

Frequently Asked Questions

What county is ZIP code 21540 in? ▼
ZIP code 21540 (Luke) is located in Allegany County, Maryland. Allegany County contains multiple ZIP codes, see the full list at /counties/allegany-md.
What is the population of ZIP code 21540? ▼
ZIP code 21540 in Luke, MD has a population of 65 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21540? ▼
The median household income in ZIP 21540 is $81,250, which is 7% above the national average of $76,288.
What is the average home value in ZIP 21540? ▼
The median home value in ZIP 21540 is $51,000, which is 82% below the national average of $278,155.
What is the demographic makeup of ZIP 21540? ▼
The largest racial group in ZIP 21540 is White at 97.8%. Hispanic or Latino residents make up 1.1% of the population.
What is the education level in ZIP code 21540? ▼
In ZIP code 21540, 85.2% of residents aged 25+ have a high school diploma or higher, and 11.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 21540? ▼
In ZIP code 21540, approximately 88.6% of occupied housing units are owner-occupied and 11.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21540? ▼
The poverty rate in ZIP code 21540 is 2.2% 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.