PlainZIP

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
$62,873
Median income
$262,300
Median home value
20.7%
Bachelor's or higher

The verdict

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.

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 Maryland average), while per-capita income is $33,461. Local economic indicators show a 17.3% poverty rate alongside 4.7% unemployment. Median home value sits at $262,300 (41% below the state average), median rent at $1,080 a month, and owner-occupancy at 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. To put 21740 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Washington County, for a geography-aware comparison.

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.

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 + 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

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 21740?

37.9

Median Age

49.7%

Male

50.3%

Female

8.9%

Foreign-Born

White 63.1%
African American 18.2%
Asian 1.8%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 12.9%
Hispanic or Latino 11.6%

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

$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

$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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 56.1%
Bachelor's Degree or Higher 20.7%

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

What does housing look like?

27,339

Total Housing Units

25,276

Occupied Units

2,063

Vacant Units

2.41

Avg Household Size

Occupancy Type

Owner 55.3%
Renter 44.7%

$262,300

Median Home Value

-41% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 21740 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 21740 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 21740 ranks #7 of 9 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
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

More ZIP Codes in Washington County

21742 standard
Hagerstown, MD
Pop: 31,444
21713 standard
Boonsboro, MD
Pop: 9,502
21795 standard
Williamsport, MD
Pop: 9,233
21783 standard
Smithsburg, MD
Pop: 9,130
21722 standard
Clear Spring, MD
Pop: 5,545
21782 standard
Sharpsburg, MD
Pop: 4,097

Related Areas

Washington County Hagerstown, MD Maryland

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.

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