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.

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 + 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

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 21613?

43.2

Median Age

48.0%

Male

52.0%

Female

4.8%

Foreign-Born

White 53.6%
African American 32.8%
Asian 1.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.7%
Hispanic or Latino 6.2%

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

$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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 60.5%
Bachelor's Degree or Higher 21.7%

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

Owner 51.6%
Renter 48.4%

$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)

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.

residents

What this shows Among its immediate neighbors, ZIP 21613 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 21613 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 21613 ranks #4 of 5 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
21677 Woolford, MD 440 6.0 mi
21835 Linkwood, MD 507 7.4 mi
21622 Church Creek, MD 558 8.1 mi
21631 East New Market, MD 2,731 9.4 mi
21664 Secretary, MD 539 10.5 mi

More ZIP Codes in Dorchester County

Frequently Asked Questions

What county is ZIP code 21613 in?
ZIP code 21613 (Cambridge) is located in Dorchester County, Maryland. Dorchester County contains multiple ZIP codes, see the full list at /counties/dorchester-md.
What is the population of ZIP code 21613?
ZIP code 21613 in Cambridge, MD has a population of 17,330 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21613?
The median household income in ZIP 21613 is $53,890, which is 29% below the national average of $76,288.
What is the average home value in ZIP 21613?
The median home value in ZIP 21613 is $283,900, which is 2% above the national average of $278,155.
What is the demographic makeup of ZIP 21613?
The largest racial group in ZIP 21613 is White at 53.6%. Hispanic or Latino residents make up 6.2% of the population.
How many businesses are in ZIP code 21613?
ZIP code 21613 has 484 business establishments employing approximately 6,175 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21613?
The top industries by establishment count in ZIP 21613 are: Retail trade (69), Health care and social assistance (66), Other services (except public administration) (57). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 21613?
According to the FHFA House Price Index, home values in ZIP 21613 increased by 13.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 135%. 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 21613?
In ZIP code 21613, 60.5% of residents aged 25+ have a high school diploma or higher, and 21.7% 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 21613?
The mean commute time for workers in ZIP code 21613 is 25.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 21613?
In ZIP code 21613, approximately 51.6% of occupied housing units are owner-occupied and 48.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21613?
The poverty rate in ZIP code 21613 is 22.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Cambridge, MD

Verify and explore additional data for this area using these official government sources.