Hagerstown, MD · standard
ZIP Code 21740
Washington County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 61,859
- 342/sq mi High-density area
- $62,873
- Median income Near-median income area
- $262,300
- Median home value Near-median home value
- 20.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Hagerstown pairs a below-median household income with above-median home values, in a low-density, mixed-tenure and unusually populous area.
- 34th pct
- household income, US ZIPs
- Top 40%
- home value, US ZIPs
- 342
- people per sq mi
- 55%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21740 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 21740 (Hagerstown, MD) rose +10.4% from 2023 to 2024. The all-transactions index moved from 220.1 in 2023 to 243.0 in 2024 (2000 = 100).
ZIP code 21740 is a densely settled ZIP (a standard USPS delivery area) in Hagerstown, Washington County, Maryland, with 61,859 residents across 180.9 square miles, a density of 342 people per square mile, in the New York time zone.
ZIP 21740 reports a modest median household income of $62,873 (45% below the average Maryland ZIP), while per-capita income is $33,461. The poverty rate is 17.3%, with unemployment at 4.7%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $262,300 (41% below the average Maryland ZIP), and median rent is $1,080; owner occupancy is 55.3%.
Educational attainment sits below the national norm: 20.7% of adults hold a bachelor's degree or higher, the median age is 37.9, and the average commute is 27 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Washington County, so 21740 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 21740
Top 5 sectors by establishment count in Hagerstown, MD
Which industries have the most business establishments in ZIP 21740.
- Retail trade
Retail trade
337 establishments
- Health care and social assistance
Health care and social assistance
233 establishments
- Other services (except public administration)
Other services (except public administration)
213 establishments
- Accommodation and food services
Accommodation and food services
209 establishments
- Construction 123
Construction
123 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 21740, Hagerstown, 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
61,859
Population
180.9
Area (sq mi)
342
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 21740?
37.9
Median Age
49.7%
Male
50.3%
Female
8.9%
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?
$62,873
Median Household Income
-45% vs state ZIP avg
$33,461
Per Capita Income
17.3%
Poverty Rate
4.7%
Unemployment Rate
26.6 min
Mean Commute Time
How ZIP 21740 ranks nationally
Hagerstown, MD household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$62,873 34th percentile higher than 34% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
27,339housing units
27,339
Total Housing Units
25,276
Occupied Units
2,063
Vacant Units
2.41
Avg Household Size
Occupancy Type
$262,300
Median Home Value
-41% vs state ZIP avg
$1,080
Median Rent
1971
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
+10.4%
YoY Change (2024)
243
HPI Index (2000 = 100)
+143%
Total Change Since 2000
Home values in ZIP 21740 have increased 10.4% over the past year (2024). Since 2000, this ZIP has seen +143% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.3% | 156 |
| 2021 | +11.8% | 174 |
| 2022 | +15.2% | 200 |
| 2023 | +9.9% | 220 |
| 2024 | +10.4% | 243 |
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 1,814 business establishments in ZIP 21740, employing approximately 36,427 people with a combined annual payroll of $1,657,896,000.
1,814
Businesses
36,427
Employees
$1.7B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 337 | 18.6% |
| Health care and social assistance | 233 | 12.8% |
| Other services (except public administration) | 213 | 11.7% |
| Accommodation and food services | 209 | 11.5% |
| Construction | 123 | 6.8% |
| Professional, scientific, and technical services | 119 | 6.6% |
| Wholesale trade | 88 | 4.8% |
| Transportation and warehousing | 86 | 4.7% |
| Finance and insurance | 86 | 4.7% |
| Administrative and support and waste management and remediation services | 78 | 4.3% |
| Real estate and rental and leasing | 77 | 4.2% |
| Manufacturing | 73 | 4.0% |
| Information | 37 | 2.0% |
| Arts, entertainment, and recreation | 26 | 1.4% |
| Educational services | 15 | 0.8% |
| Management of companies and enterprises | 9 | 0.5% |
| Industries not classified | 3 | 0.2% |
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 21740 vs 21734 →
ZIP 21740 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21740
Hagerstown (21740)
61,859 residents
- 21742
Hagerstown (21742)
31,444 residents
- 21713 9,502
Boonsboro (21713)
9,502 residents
- 25419 9,251
Falling Waters (25419)
9,251 residents
- 21795 9,233
Williamsport (21795)
9,233 residents
- 21746 1,883
Hagerstown (21746)
1,883 residents
- 21733 1,163
Fairplay (21733)
1,163 residents
- 21767 991
Maugansville (21767)
991 residents
- 21734 771
Funkstown (21734)
771 residents
What this shows Among its immediate neighbors, ZIP 21740 ranks the most populous - useful context the national average alone can't give.
ZIP 21740 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21733
Fairplay (21733)
$109,896 median income
- 21713
Boonsboro (21713)
$96,199 median income
- 25419
Falling Waters (25419)
$89,284 median income
- 17263
State Line (17263)
$88,835 median income
- 21795
Williamsport (21795)
$87,864 median income
- 21742
Hagerstown (21742)
$86,288 median income
- 21740
Hagerstown (21740)
$62,873 median income
- 21734
Funkstown (21734)
$61,392 median income
- 21767
Maugansville (21767)
$57,940 median income
What this shows By household income, ZIP 21740 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 21734 | Funkstown, MD | 771 | 2.6 mi |
| 21767 | Maugansville, MD | 991 | 4.4 mi |
| 21781 | Saint James, MD | 136 | 4.4 mi |
| 21746 | Hagerstown, MD | 1,883 | 5.0 mi |
| 21733 | Fairplay, MD | 1,163 | 5.9 mi |
| 17263 | State Line, PA | 467 | 6.6 mi |
| 21742 | Hagerstown, MD | 31,444 | 5.2 mi |
| 21795 | Williamsport, MD | 9,233 | 5.7 mi |
| 21713 | Boonsboro, MD | 9,502 | 8.4 mi |
| 25419 | Falling Waters, WV | 9,251 | 8.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21740, 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 (61,859 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Washington County
Related Areas
Frequently Asked Questions
What county is ZIP code 21740 in?
ZIP code 21740 (Hagerstown) is located in Washington County, Maryland. Washington County contains multiple ZIP codes, see the full list at /counties/washington-md.
What is the population of ZIP code 21740?
ZIP code 21740 in Hagerstown, MD has a population of 61,859 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21740?
The median household income in ZIP 21740 is $62,873, which is 18% below the national average of $76,288.
What is the average home value in ZIP 21740?
The median home value in ZIP 21740 is $262,300, which is 6% below the national average of $278,155.
What is the demographic makeup of ZIP 21740?
The largest racial group in ZIP 21740 is White at 63.1%. Hispanic or Latino residents make up 11.6% of the population.
How many businesses are in ZIP code 21740?
ZIP code 21740 has 1,814 business establishments employing approximately 36,427 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21740?
The top industries by establishment count in ZIP 21740 are: Retail trade (337), Health care and social assistance (233), Other services (except public administration) (213). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 21740?
According to the FHFA House Price Index, home values in ZIP 21740 increased by 10.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 143%. 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 21740?
In ZIP code 21740, 56.1% of residents aged 25+ have a high school diploma or higher, and 20.7% 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 21740?
The mean commute time for workers in ZIP code 21740 is 26.6 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 21740?
In ZIP code 21740, approximately 55.3% of occupied housing units are owner-occupied and 44.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21740?
The poverty rate in ZIP code 21740 is 17.3% 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 21740's numbers, next.
- See how ZIP 21740 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Hagerstown, 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.