PlainZIP

Federalsburg, MD · standard

ZIP Code 21632

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

6,353
33/sq mi
$61,316
Median income
$216,000
Median home value
11.9%
Bachelor's or higher

The verdict

Federalsburg pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

31th pct
household income, US ZIPs
48th pct
home value, US ZIPs
33
people per sq mi
63%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21632 against every reporting US ZIP.

ZIP code 21632 is a mid-sized community (a standard USPS delivery area) in Federalsburg, Caroline County, Maryland, home to 6,353 residents across 191.9 square miles, a density of 33 people per square mile, in the New York time zone.

ZIP 21632 reports a modest median household income of $61,316 (46% below the Maryland average), while per-capita income is $31,215. Local economic indicators show a 22.1% poverty rate alongside 4.6% unemployment. The typical home here is valued at $216,000 (52% below the state average); renters pay a median of $1,031 monthly, and 63.1% of units are owner-occupied.

Formal educational attainment runs low here: just 11.9% of adults hold a bachelor's degree or higher, the median age is 41.9, and the average commute is 30 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 21632, plus 6 more within Caroline County, give a clearer read than the national average alone.

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 21632

Top 5 sectors by establishment count in Federalsburg, MD

Which industries have the most business establishments in ZIP 21632.

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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 21632, Federalsburg, 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

6,353

Population

191.9

Area (sq mi)

33

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 21632?

41.9

Median Age

45.5%

Male

54.5%

Female

4.2%

Foreign-Born

White 61.2%
African American 27.5%
Asian 1.9%
American Indian or Alaska Native 0.8%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.2%
Hispanic or Latino 5.9%

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?

$61,316

Median Household Income

-46% vs state

$31,215

Per Capita Income

22.1%

Poverty Rate

4.6%

Unemployment Rate

30.3 min

Mean Commute Time

How ZIP 21632 ranks nationally

Federalsburg, MD household income vs. every US ZIP code

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

$61,316 31st percentile higher than 31% 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%). This entry sits in this band. $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 55.6%
Bachelor's Degree or Higher 11.9%

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

What does housing look like?

2,956

Total Housing Units

2,656

Occupied Units

300

Vacant Units

2.42

Avg Household Size

Occupancy Type

Owner 63.1%
Renter 36.9%

$216,000

Median Home Value

-52% vs state

$1,031

Median Rent

1976

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

+15.9%

YoY Change (2024)

233

HPI Index (2000 = 100)

+133%

Total Change Since 2000

Home values in ZIP 21632 have increased 15.9% over the past year (2024). Since 2000, this ZIP has seen +133% cumulative appreciation.

Year Annual Change HPI Index
2020 +13.4% 158
2021 +8.3% 171
2022 +13.3% 194
2023 +3.9% 201
2024 +15.9% 233

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 119 business establishments in ZIP 21632, employing approximately 2,362 people with a combined annual payroll of $136,788,000.

119

Businesses

2,362

Employees

$136.8M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Retail trade 20 16.8%
Other services (except public administration) 18 15.1%
Transportation and warehousing 16 13.4%
Construction 13 10.9%
Manufacturing 8 6.7%
Real estate and rental and leasing 8 6.7%
Wholesale trade 7 5.9%
Administrative and support and waste management and remediation services 7 5.9%
Health care and social assistance 6 5.0%
Accommodation and food services 6 5.0%
Finance and insurance 4 3.4%
Professional, scientific, and technical services 3 2.5%

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 21632 vs 21659 →

ZIP 21632 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 21632 ranks #2 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 21632 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 21632 ranks #5 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
21659 Rhodesdale, MD 1,551 10.0 mi
21655 Preston, MD 5,009 8.0 mi
21643 Hurlock, MD 5,979 7.6 mi
21629 Denton, MD 9,555 9.8 mi

More ZIP Codes in Caroline County

21629 standard
Denton, MD
Pop: 9,555
21655 standard
Preston, MD
Pop: 5,009
21639 standard
Greensboro, MD
Pop: 4,408
21660 standard
Ridgely, MD
Pop: 4,063
21649 standard
Marydel, MD
Pop: 1,858
21640 standard
Henderson, MD
Pop: 1,632

Related Areas

Caroline County Federalsburg, MD Maryland

Frequently Asked Questions

What county is ZIP code 21632 in? ▼
ZIP code 21632 (Federalsburg) is located in Caroline County, Maryland. Caroline County contains multiple ZIP codes, see the full list at /counties/caroline-md.
What is the population of ZIP code 21632? ▼
ZIP code 21632 in Federalsburg, MD has a population of 6,353 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21632? ▼
The median household income in ZIP 21632 is $61,316, which is 20% below the national average of $76,288.
What is the average home value in ZIP 21632? ▼
The median home value in ZIP 21632 is $216,000, which is 22% below the national average of $278,155.
What is the demographic makeup of ZIP 21632? ▼
The largest racial group in ZIP 21632 is White at 61.2%. Hispanic or Latino residents make up 5.9% of the population.
How many businesses are in ZIP code 21632? ▼
ZIP code 21632 has 119 business establishments employing approximately 2,362 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21632? ▼
The top industries by establishment count in ZIP 21632 are: Retail trade (20), Other services (except public administration) (18), Transportation and warehousing (16). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 21632? ▼
According to the FHFA House Price Index, home values in ZIP 21632 increased by 15.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 133%. 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 21632? ▼
In ZIP code 21632, 55.6% of residents aged 25+ have a high school diploma or higher, and 11.9% 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 21632? ▼
The mean commute time for workers in ZIP code 21632 is 30.3 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 21632? ▼
In ZIP code 21632, approximately 63.1% of occupied housing units are owner-occupied and 36.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21632? ▼
The poverty rate in ZIP code 21632 is 22.1% 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.