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 Moderate-density area
- $53,890
- Median income Below-median income area
- $283,900
- Median home value Near-median home value
- 21.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 21613 (Cambridge, MD) rose +13.6% from 2023 to 2024. The all-transactions index moved from 206.7 in 2023 to 234.7 in 2024 (2000 = 100).
ZIP code 21613 is a mid-sized community (a standard USPS delivery area) in Cambridge, Dorchester County, Maryland, home to 17,330 residents across 403.0 square miles, a density of 43 people per square mile, in the New York time zone.
ZIP 21613 reports a modest median household income of $53,890 (53% below the average Maryland ZIP), while per-capita income is $35,645. The poverty rate is 22.0%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $283,900 (37% below the average Maryland ZIP), and median rent is $1,042; owner occupancy is 51.6%.
Educational attainment sits below the national norm: 21.7% of adults hold a bachelor's degree or higher, the median age is 43.2, and the average commute is 25 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Dorchester County, so 21613 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 21613
Top 5 sectors by establishment count in Cambridge, MD
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$35,645
Per Capita Income
22.0%
Poverty Rate
7.2%
Unemployment Rate
25.0 min
Mean Commute Time
How ZIP 21613 ranks among Maryland ZIPs
Cambridge, 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)
$53,890 5th percentile higher than 5% 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
9,413housing units
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 ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21613, 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 (17,330 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Dorchester County
Related Areas
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.
Related
Take this with you
What to do with ZIP 21613's numbers, next.
- See how ZIP 21613 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cambridge, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.