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 Moderate-density area
- $61,316
- Median income Below-median income area
- $216,000
- Median home value Near-median home value
- 11.9%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Federalsburg pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 31st 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 21632 (Federalsburg, MD) rose +15.9% from 2023 to 2024. The all-transactions index moved from 201.4 in 2023 to 233.5 in 2024 (2000 = 100).
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 average Maryland ZIP), while per-capita income is $31,215. The poverty rate is 22.1%, 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 $216,000 (52% below the average Maryland ZIP), and median rent is $1,031; owner occupancy is 63.1%.
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. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Caroline County, so 21632 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 21632
Top 5 sectors by establishment count in Federalsburg, MD
Which industries have the most business establishments in ZIP 21632.
- Retail trade
Retail trade
20 establishments
- Other services (except public administration)
Other services (except public administration)
18 establishments
- Transportation and warehousing
Transportation and warehousing
16 establishments
- Construction
Construction
13 establishments
- Manufacturing
Manufacturing
8 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 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
Who lives in ZIP 21632?
41.9
Median Age
45.5%
Male
54.5%
Female
4.2%
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?
$61,316
Median Household Income
-46% vs state ZIP avg
$31,215
Per Capita Income
22.1%
Poverty Rate
4.6%
Unemployment Rate
30.3 min
Mean Commute Time
How ZIP 21632 ranks among Maryland ZIPs
Federalsburg, 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)
$61,316 8th percentile higher than 8% 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
2,956housing units
2,956
Total Housing Units
2,656
Occupied Units
300
Vacant Units
2.42
Avg Household Size
Occupancy Type
$216,000
Median Home Value
-52% vs state ZIP avg
$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.
- 21629
Denton (21629)
9,555 residents
- 21632
Federalsburg (21632)
6,353 residents
- 21643
Hurlock (21643)
5,979 residents
- 21655
Preston (21655)
5,009 residents
- 21659 1,551
Rhodesdale (21659)
1,551 residents
What this shows Among its immediate neighbors, ZIP 21632 ranks #2 by population - useful context the national average alone can't give.
ZIP 21632 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21655
Preston (21655)
$90,385 median income
- 21629
Denton (21629)
$73,956 median income
- 21659
Rhodesdale (21659)
$73,750 median income
- 21643
Hurlock (21643)
$67,219 median income
- 21632
Federalsburg (21632)
$61,316 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21632, 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 (6,353 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Caroline County
Related Areas
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.
Related
Take this with you
What to do with ZIP 21632's numbers, next.
- See how ZIP 21632 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Federalsburg, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.