PlainZIP

Oxford, MD · standard

ZIP Code 21654

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

1,236
44/sq mi
$82,772
Median income
$840,000
Median home value
67.2%
Bachelor's or higher

The verdict

Oxford pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.

Top 35%
household income, US ZIPs
Top 4%
home value, US ZIPs
44
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21654 against every reporting US ZIP.

ZIP code 21654 is classified by USPS as a standard delivery area and covers roughly 28.4 square miles in Oxford, Talbot County, Maryland. The area is home to 1,236 residents, producing a population density of 44 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 21654 against Maryland and the nation.

On the economic side, the median household income for ZIP 21654 sits at $82,772 (27% below the Maryland average), while per-capita income is $64,245. The poverty rate stands at 12.8% and the unemployment rate at 10.3%. On housing, the median home value is $840,000 (88% above the state average) with median rent at — per month, and 85.7% of occupied units are owner-occupied, a direct signal of whether 21654 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 67.2% of adults hold a bachelor's degree or higher, the median age is 68.7, and the average commute is —. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Talbot County, so you can benchmark 21654 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 21654

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 21654.

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 21654, Oxford, 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

1,236

Population

28.4

Area (sq mi)

44

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 21654?

68.7

Median Age

44.9%

Male

55.1%

Female

8.0%

Foreign-Born

White 85.2%
African American 2.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.9%
Hispanic or Latino 12.8%

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?

$82,772

Median Household Income

-27% vs state

$64,245

Per Capita Income

12.8%

Poverty Rate

10.3%

Unemployment Rate

How ZIP 21654 ranks nationally

Household income vs. every US ZIP code

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

$82,772 Top 35% higher than 65% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 72.9%
Bachelor's Degree or Higher 67.2%

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

What does housing look like?

923

Total Housing Units

629

Occupied Units

294

Vacant Units

1.87

Avg Household Size

Occupancy Type

Owner 85.7%
Renter 14.3%

$840,000

Median Home Value

+88% vs state

1975

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

+11.5%

YoY Change (2022)

209

HPI Index (2000 = 100)

+109%

Total Change Since 2000

Home values in ZIP 21654 have increased 11.5% over the past year (2022). Since 2000, this ZIP has seen +109% cumulative appreciation.

Year Annual Change HPI Index
2018 -8.0% 147
2019 +11.7% 165
2020 -1.1% 163
2021 +14.9% 187
2022 +11.5% 209

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 2022. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 37 business establishments in ZIP 21654, employing approximately 251 people with a combined annual payroll of $12,797,000.

37

Businesses

251

Employees

$12.8M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Arts, entertainment, and recreation 6 16.2%
Accommodation and food services 6 16.2%
Other services (except public administration) 6 16.2%
Construction 4 10.8%
Professional, scientific, and technical services 4 10.8%
Retail trade 3 8.1%
Real estate and rental and leasing 3 8.1%

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 21654 vs 21662 →

ZIP 21654 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 21654 ranks #4 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 21654 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 21654 ranks #5 of 6 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
21662 Royal Oak, MD 555 4.5 mi
21653 Newcomb, MD 114 5.1 mi
21673 Trappe, MD 3,136 5.3 mi
21601 Easton, MD 23,597 7.6 mi
21663 Saint Michaels, MD 3,308 8.7 mi
21612 Bozman, MD 492 9.1 mi

More ZIP Codes in Talbot County

21601 standard
Easton, MD
Pop: 23,597
21663 standard
Saint Michaels, MD
Pop: 3,308
21673 standard
Trappe, MD
Pop: 3,136
21625 standard
Cordova, MD
Pop: 2,719
21671 standard
Tilghman, MD
Pop: 756
21662 standard
Royal Oak, MD
Pop: 555

Related Areas

Talbot County Oxford, MD Maryland

Frequently Asked Questions

What county is ZIP code 21654 in? ▼
ZIP code 21654 (Oxford) is located in Talbot County, Maryland. Talbot County contains multiple ZIP codes, see the full list at /counties/talbot-md.
What is the population of ZIP code 21654? ▼
ZIP code 21654 in Oxford, MD has a population of 1,236 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21654? ▼
The median household income in ZIP 21654 is $82,772, which is 8% above the national average of $76,288.
What is the average home value in ZIP 21654? ▼
The median home value in ZIP 21654 is $840,000, which is 202% above the national average of $278,155.
What is the demographic makeup of ZIP 21654? ▼
The largest racial group in ZIP 21654 is White at 85.2%. Hispanic or Latino residents make up 12.8% of the population.
How many businesses are in ZIP code 21654? ▼
ZIP code 21654 has 37 business establishments employing approximately 251 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21654? ▼
The top industries by establishment count in ZIP 21654 are: Arts, entertainment, and recreation (6), Accommodation and food services (6), Other services (except public administration) (6). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 21654? ▼
According to the FHFA House Price Index, home values in ZIP 21654 increased by 11.5% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 109%. 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 21654? ▼
In ZIP code 21654, 72.9% of residents aged 25+ have a high school diploma or higher, and 67.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 21654? ▼
In ZIP code 21654, approximately 85.7% of occupied housing units are owner-occupied and 14.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21654? ▼
The poverty rate in ZIP code 21654 is 12.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Oxford, MD

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

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.