Cambridge, MD · standard
ZIP Code 21613
Dorchester County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,330
- 43/sq mi
- $53,890
- Median income
- $283,900
- Median home value
- 21.7%
- Bachelor's or higher
The verdict
Cambridge pairs one of the lowest household incomes in the country with above-median home values, in a rural, mixed-tenure area.
- 19th pct
- household income, US ZIPs
- Top 36%
- home value, US ZIPs
- 43
- people per sq mi
- 52%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21613 against every reporting US ZIP.
ZIP code 21613 is classified by USPS as a standard delivery area and covers roughly 403.0 square miles in Cambridge, Dorchester County, Maryland. The area is home to 17,330 residents, producing a population density of 43 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 21613 against Maryland and the nation.
On the economic side, the median household income for ZIP 21613 sits at $53,890 (53% below the Maryland average), while per-capita income is $35,645. The poverty rate stands at 22.0% and the unemployment rate at 7.2%. On housing, the median home value is $283,900 (37% below the state average) with median rent at $1,042 per month, and 51.6% of occupied units are owner-occupied, a direct signal of whether 21613 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 21.7% of adults hold a bachelor's degree or higher, the median age is 43.2, and the average commute is 25 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Dorchester County, so you can benchmark 21613 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 21613
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 21613.
- Retail trade
Retail trade
69 establishments
- Health care and social assistance
Health care and social assistance
66 establishments
- Other services (except public administration)
Other services (except public administration)
57 establishments
- Accommodation and food services
Accommodation and food services
49 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
48 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 21613, Cambridge, 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
17,330
Population
403.0
Area (sq mi)
43
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 21613?
43.2
Median Age
48.0%
Male
52.0%
Female
4.8%
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?
$53,890
Median Household Income
-53% vs state
$35,645
Per Capita Income
22.0%
Poverty Rate
7.2%
Unemployment Rate
25.0 min
Mean Commute Time
How ZIP 21613 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$53,890 19th percentile higher than 19% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
9,413
Total Housing Units
7,790
Occupied Units
1,623
Vacant Units
2.25
Avg Household Size
Occupancy Type
$283,900
Median Home Value
-37% vs state
$1,042
Median Rent
1969
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
+13.6%
YoY Change (2024)
235
HPI Index (2000 = 100)
+135%
Total Change Since 2000
Home values in ZIP 21613 have increased 13.6% over the past year (2024). Since 2000, this ZIP has seen +135% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.5% | 147 |
| 2021 | +13.0% | 166 |
| 2022 | +17.1% | 194 |
| 2023 | +6.4% | 207 |
| 2024 | +13.6% | 235 |
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 484 business establishments in ZIP 21613, employing approximately 6,175 people with a combined annual payroll of $309,734,000.
484
Businesses
6,175
Employees
$309.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 69 | 14.3% |
| Health care and social assistance | 66 | 13.6% |
| Other services (except public administration) | 57 | 11.8% |
| Accommodation and food services | 49 | 10.1% |
| Professional, scientific, and technical services | 48 | 9.9% |
| Construction | 35 | 7.2% |
| Finance and insurance | 29 | 6.0% |
| Real estate and rental and leasing | 28 | 5.8% |
| Manufacturing | 24 | 5.0% |
| Administrative and support and waste management and remediation services | 24 | 5.0% |
| Arts, entertainment, and recreation | 14 | 2.9% |
| Wholesale trade | 13 | 2.7% |
| Transportation and warehousing | 11 | 2.3% |
| Information | 9 | 1.9% |
| Educational services | 4 | 0.8% |
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 21613 vs 21677 →
ZIP 21613 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21613
Cambridge (21613)
17,330 residents
- 21631 2,731
East New Market (21631)
2,731 residents
- 21622 558
Church Creek (21622)
558 residents
- 21664 539
Secretary (21664)
539 residents
- 21835 507
Linkwood (21835)
507 residents
- 21677 440
Woolford (21677)
440 residents
What this shows Among its immediate neighbors, ZIP 21613 ranks the most populous — useful context the national average alone can't give.
ZIP 21613 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21664
Secretary (21664)
$82,721 median income
- 21631
East New Market (21631)
$73,864 median income
- 21622
Church Creek (21622)
$68,750 median income
- 21613
Cambridge (21613)
$53,890 median income
- 21835
Linkwood (21835)
$47,083 median income
What this shows By household income, ZIP 21613 ranks #4 of 5 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
More ZIP Codes in Dorchester County
Related Areas
Frequently Asked Questions
What county is ZIP code 21613 in? ▼
What is the population of ZIP code 21613? ▼
What is the median household income in ZIP 21613? ▼
What is the average home value in ZIP 21613? ▼
What is the demographic makeup of ZIP 21613? ▼
How many businesses are in ZIP code 21613? ▼
What are the main industries in ZIP code 21613? ▼
How have home values changed in ZIP code 21613? ▼
What is the education level in ZIP code 21613? ▼
What is the average commute time in ZIP 21613? ▼
What percentage of residents own vs. rent in ZIP 21613? ▼
What is the poverty rate in ZIP code 21613? ▼
ZIP Code Research Guides
Official Data Resources for Cambridge, MD
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.