Residential delivery area · Maryland
ZIP Code 21654: Oxford, MD
ZIP code 21654 uses the postal name Oxford, Maryland and lies entirely in Talbot County (Census 2020 ZIP-county file). About 1,200 people live there (Census Bureau, ACS 2020-2024). Median household income is $82,772 (Census Bureau, ACS 2020-2024). By Census place, 5% of its land lies in Oxford; 95% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Oxford · its only residential ZIP
- County
- Talbot County
- Census places
- Oxford
- Micro area
- Easton, MD
- House district
- MD-1 119th Congress
- State
- Maryland
- Time zone
- Eastern
- Land area
- 11.1 sq mi · 106 people per sq mi
Where is ZIP code 21654?
21654 centers on 38.690°, -76.132° and covers 11.1 square miles of land plus 4.5 of water. It borders 2 ZIP codes: 21673, 21601.
The map draws ZIP code areas only. For the streets inside 21654, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 21654 compare with the rest of Talbot County?
| Measure | 21654 | In Talbot County | In MD |
|---|---|---|---|
| People (ACS 2020-2024) | 1,179 | 6th of 16 | 340th of 477 |
| Median household income | $83k | 4th of 5 | 229th of 293 |
| Median home value | $840k | 1st of 5 | 15th of 320 |
Its median household income is higher than in 65% of U.S. residential ZIP codes, and it is denser than 55% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 21654?
The 2020 Census counted 1,129 people in 21654; the ACS, which samples households over 2020-2024, estimates 1,179. Between the 2010 and 2020 censuses its population fell 8.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 1,179±249 (90% margin)
- 2020 Census count
- 1,129−8.7% since 2010 (1,236)
- Households
- 629
- Median age
- 68.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 21654?
Of the 1,179 people the ACS estimates in 21654, 6.4% are under 18 and 55.3% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (84.9%), then Hispanic or Latino (12.8%).
- Under 186.4%
- 18 to 6438.3%
- 65 and older55.3%
- White, not Hispanic84.9%
- Hispanic or Latino12.8%
- Black, not Hispanic2.0%
- Other or two or more0.3%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 21654 earn?
Median household income is $82,772 (ACS 2020-2024), the 4th highest of the 5 ranked ZIP codes in Talbot County. It is not measurably different from 2015-2019 ($93,418 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $82,772±$14,427
- Income per person
- $64,245
- Below the poverty line
- 12.8%
- Unemployed (of the labor force)
- 10.3%
- Adults 25+ with a bachelor's degree
- 67.2%
- Adjusted gross income per tax return, 2022
- $293,086650 returns; wages 25% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 21654?
FHFA's house price index for 21654, built from repeat sales and appraisals of the same homes, rose 88% from 2015 to 2025 and rose 69% from 2020 to 2025.
- Median home value (owners' estimate)
- $840,000
- Median gross rent
- –
- Homes owned by their occupants
- 85.7%
- Housing units
- 923
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 21654?
37 business establishments had a location in this ZIP code in 2023, 1 more than in 2018; the most are in arts, entertainment, and recreation (ZIP Code Business Patterns).
- Arts, entertainment, and recreation6
- Accommodation and food services6
- Other services (except public administration)6
- Construction4
- Professional, scientific, and technical services4
- Retail trade3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 21654?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 21673 | Trappe | 2,843 | $68k | 5.8 mi |
| 21601 | Easton | 24,671 | $84k | 7.5 mi |
| 21662 | Royal Oak | 546 | $137k | 4.1 mi (near) |
| 21653 | Newcomb | 84 | – | 4.4 mi (near) |
| 21652 | Neavitt | 155 | $128k | 8.3 mi (near) |
| 21612 | Bozman | 470 | $118k | 8.5 mi (near) |
| 21663 | Saint Michaels | 3,764 | $90k | 8.6 mi (near) |
| 21671 | Tilghman | 727 | $45k | 11.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.