PlainZIP

Warwick, MD · standard

ZIP Code 21912

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

1,240
15/sq mi
$69,868
Median income
$391,700
Median home value
25.3%
Bachelor's or higher

The verdict

Warwick pairs a below-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

46th pct
household income, US ZIPs
Top 21%
home value, US ZIPs
15
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21912 against every reporting US ZIP.

ZIP code 21912 is a sparsely populated ZIP (a standard USPS delivery area) in Warwick, Cecil County, Maryland, home to just 1,240 residents across 81.6 square miles, a density of 15 people per square mile, in the New York time zone.

ZIP 21912 reports a modest median household income of $69,868 (39% below the Maryland average), while per-capita income is $65,613. 3.5% of residents live below the poverty line, and the unemployment rate reads 2.0%. Median home value sits at $391,700 (12% below the state average), median rent at $817 a month, and owner-occupancy at 87.1%.

Educational attainment sits below the national norm: 25.3% of adults hold a bachelor's degree or higher, the median age is 58.2, and the average commute is -. Beyond these figures, 8 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Cecil County, letting you compare 21912 to its immediate surroundings rather than a national baseline alone.

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 →

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 21912, Warwick, 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

1,240

Population

81.6

Area (sq mi)

15

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 21912?

58.2

Median Age

43.1%

Male

56.9%

Female

1.2%

Foreign-Born

White 98.2%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.8%
Hispanic or Latino 1.2%

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?

$69,868

Median Household Income

-39% vs state

$65,613

Per Capita Income

3.5%

Poverty Rate

2.0%

Unemployment Rate

How ZIP 21912 ranks nationally

Warwick, MD household income vs. every US ZIP code

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

$69,868 46th percentile higher than 46% 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 59.5%
Bachelor's Degree or Higher 25.3%

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

What does housing look like?

704

Total Housing Units

696

Occupied Units

8

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 87.1%
Renter 12.9%

$391,700

Median Home Value

-12% vs state

$817

Median Rent

1989

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

+14.8%

YoY Change (2021)

181

HPI Index (2000 = 100)

+81%

Total Change Since 2000

Home values in ZIP 21912 have increased 14.8% over the past year (2021). Since 2000, this ZIP has seen +81% cumulative appreciation.

Year Annual Change HPI Index
2016 +1.7% 142
2017 -1.5% 140
2019 – 161
2020 -2.4% 158
2021 +14.8% 181

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 16 business establishments in ZIP 21912, employing approximately 73 people with a combined annual payroll of $2,632,000.

16

Businesses

73

Employees

$2.6M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Construction 5 31.3%

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 21912 vs 21913 →

ZIP 21912 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 21912 ranks #5 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 21912 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 21912 ranks #7 of 7 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
21913 Cecilton, MD 663 3.0 mi
21915 Chesapeake City, MD 3,030 5.6 mi
21635 Galena, MD 2,098 5.8 mi
21650 Massey, MD 238 7.3 mi
21919 Earleville, MD 3,467 6.2 mi
21930 Georgetown, MD 94 5.2 mi
19709 Middletown, DE 35,107 8.6 mi
21645 Kennedyville, MD 1,039 10.4 mi

More ZIP Codes in Cecil County

21921 standard
Elkton, MD
Pop: 44,471
21901 standard
North East, MD
Pop: 15,875
21911 standard
Rising Sun, MD
Pop: 11,004
21904 standard
Port Deposit, MD
Pop: 7,252
21903 standard
Perryville, MD
Pop: 5,687
21918 standard
Conowingo, MD
Pop: 4,284

Related Areas

Cecil County Warwick, MD Maryland

Frequently Asked Questions

What county is ZIP code 21912 in? ▼
ZIP code 21912 (Warwick) is located in Cecil County, Maryland. Cecil County contains multiple ZIP codes, see the full list at /counties/cecil-md.
What is the population of ZIP code 21912? ▼
ZIP code 21912 in Warwick, MD has a population of 1,240 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21912? ▼
The median household income in ZIP 21912 is $69,868, which is 8% below the national average of $76,288.
What is the average home value in ZIP 21912? ▼
The median home value in ZIP 21912 is $391,700, which is 41% above the national average of $278,155.
What is the demographic makeup of ZIP 21912? ▼
The largest racial group in ZIP 21912 is White at 98.2%. Hispanic or Latino residents make up 1.2% of the population.
How many businesses are in ZIP code 21912? ▼
ZIP code 21912 has 16 business establishments employing approximately 73 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 21912? ▼
According to the FHFA House Price Index, home values in ZIP 21912 increased by 14.8% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 81%. 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 21912? ▼
In ZIP code 21912, 59.5% of residents aged 25+ have a high school diploma or higher, and 25.3% 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 21912? ▼
In ZIP code 21912, approximately 87.1% of occupied housing units are owner-occupied and 12.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21912? ▼
The poverty rate in ZIP code 21912 is 3.5% 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.