PlainZIP

Saint Michaels, MD · standard

ZIP Code 21663

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

3,308
105/sq mi
$89,775
Median income
$650,500
Median home value
52.8%
Bachelor's or higher

The verdict

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

Top 27%
household income, US ZIPs
Top 8%
home value, US ZIPs
105
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21663 against every reporting US ZIP.

ZIP code 21663 is classified by USPS as a standard delivery area and covers roughly 31.7 square miles in Saint Michaels, Talbot County, Maryland. The area is home to 3,308 residents, producing a population density of 105 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 21663 against Maryland and the nation.

On the economic side, the median household income for ZIP 21663 sits at $89,775 (21% below the Maryland average), while per-capita income is $67,202. The poverty rate stands at 5.8% and the unemployment rate at 5.2%. On housing, the median home value is $650,500 (45% above the state average) with median rent at $1,067 per month, and 78.1% of occupied units are owner-occupied, a direct signal of whether 21663 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 52.8% of adults hold a bachelor's degree or higher, the median age is 56, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Talbot County, so you can benchmark 21663 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 21663

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 21663.

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 21663, Saint Michaels, 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

3,308

Population

31.7

Area (sq mi)

105

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 21663?

56.0

Median Age

51.6%

Male

48.4%

Female

16.6%

Foreign-Born

White 78.2%
African American 9.2%
Asian 0.7%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.7%
Hispanic or Latino 11.0%

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?

$89,775

Median Household Income

-21% vs state

$67,202

Per Capita Income

5.8%

Poverty Rate

5.2%

Unemployment Rate

How ZIP 21663 ranks nationally

Household income vs. every US ZIP code

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

$89,775 Top 27% higher than 73% 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 68.7%
Bachelor's Degree or Higher 52.8%

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

What does housing look like?

2,204

Total Housing Units

1,677

Occupied Units

527

Vacant Units

2.24

Avg Household Size

Occupancy Type

Owner 78.1%
Renter 21.9%

$650,500

Median Home Value

+45% vs state

$1,067

Median Rent

1980

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

+19.2%

YoY Change (2024)

289

HPI Index (2000 = 100)

+189%

Total Change Since 2000

Home values in ZIP 21663 have increased 19.2% over the past year (2024). Since 2000, this ZIP has seen +189% cumulative appreciation.

Year Annual Change HPI Index
2019 +5.4% 192
2020 -0.7% 191
2021 +8.2% 207
2022 +19.2% 246
2024 — 289

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 148 business establishments in ZIP 21663, employing approximately 1,396 people with a combined annual payroll of $59,163,000.

148

Businesses

1,396

Employees

$59.2M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 33 22.3%
Retail trade 27 18.2%
Real estate and rental and leasing 12 8.1%
Other services (except public administration) 12 8.1%
Manufacturing 10 6.8%
Professional, scientific, and technical services 8 5.4%
Administrative and support and waste management and remediation services 8 5.4%
Arts, entertainment, and recreation 8 5.4%
Construction 6 4.0%
Finance and insurance 6 4.0%
Health care and social assistance 5 3.4%
Wholesale trade 4 2.7%
Transportation and warehousing 3 2.0%
Information 3 2.0%

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 21663 vs 21612 →

ZIP 21663 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 21663 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 21663 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 21663 ranks #5 of 8 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
21612 Bozman, MD 492 3.3 mi
21647 Mcdaniel, MD 289 3.4 mi
21653 Newcomb, MD 114 3.7 mi
21624 Claiborne, MD 143 4.4 mi
21676 Wittman, MD 398 4.9 mi
21662 Royal Oak, MD 555 5.2 mi
21652 Neavitt, MD 183 5.2 mi
21665 Sherwood, MD 287 5.4 mi
21601 Easton, MD 23,597 8.1 mi
21671 Tilghman, MD 756 8.3 mi

More ZIP Codes in Talbot County

21601 standard
Easton, MD
Pop: 23,597
21673 standard
Trappe, MD
Pop: 3,136
21625 standard
Cordova, MD
Pop: 2,719
21654 standard
Oxford, MD
Pop: 1,236
21671 standard
Tilghman, MD
Pop: 756
21662 standard
Royal Oak, MD
Pop: 555

Related Areas

Talbot County Saint Michaels, MD Maryland

Frequently Asked Questions

What county is ZIP code 21663 in? ▼
ZIP code 21663 (Saint Michaels) 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 21663? ▼
ZIP code 21663 in Saint Michaels, MD has a population of 3,308 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21663? ▼
The median household income in ZIP 21663 is $89,775, which is 18% above the national average of $76,288.
What is the average home value in ZIP 21663? ▼
The median home value in ZIP 21663 is $650,500, which is 134% above the national average of $278,155.
What is the demographic makeup of ZIP 21663? ▼
The largest racial group in ZIP 21663 is White at 78.2%. Hispanic or Latino residents make up 11.0% of the population.
How many businesses are in ZIP code 21663? ▼
ZIP code 21663 has 148 business establishments employing approximately 1,396 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21663? ▼
The top industries by establishment count in ZIP 21663 are: Accommodation and food services (33), Retail trade (27), Real estate and rental and leasing (12). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 21663? ▼
According to the FHFA House Price Index, home values in ZIP 21663 increased by 19.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 189%. 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 21663? ▼
In ZIP code 21663, 68.7% of residents aged 25+ have a high school diploma or higher, and 52.8% 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 21663? ▼
In ZIP code 21663, approximately 78.1% of occupied housing units are owner-occupied and 21.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21663? ▼
The poverty rate in ZIP code 21663 is 5.8% 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 Saint Michaels, 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.