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 Moderate-density area
- $69,868
- Median income Near-median income area
- $391,700
- Median home value Above-median home value
- 25.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Maryland ZIP), while per-capita income is $65,613. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.5% and unemployment is 2.0%. Median home value is $391,700 (12% below the average Maryland ZIP) and median rent is $817; 87.1% of occupied homes are owner-occupied.
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 -. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Cecil County, so 21912 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 →
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
Who lives in ZIP 21912?
58.2
Median Age
43.1%
Male
56.9%
Female
1.2%
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?
$69,868
Median Household Income
-39% vs state ZIP avg
$65,613
Per Capita Income
3.5%
Poverty Rate
2.0%
Unemployment Rate
How ZIP 21912 ranks among Maryland ZIPs
Warwick, MD household income vs. every Maryland ZIP code
Median household income among 419 reporting Maryland ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$69,868 16th percentile higher than 16% of 419 Maryland ZIPs
Each bar is a $20K-wide band; taller bars hold more Maryland 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
704housing units
704
Total Housing Units
696
Occupied Units
8
Vacant Units
2.21
Avg Household Size
Occupancy Type
$391,700
Median Home Value
-12% vs state ZIP avg
$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.
- 19709
Middletown (19709)
35,107 residents
- 21919 3,467
Earleville (21919)
3,467 residents
- 21915 3,030
Chesapeake City (21915)
3,030 residents
- 21635 2,098
Galena (21635)
2,098 residents
- 21912 1,240
Warwick (21912)
1,240 residents
- 21645 1,039
Kennedyville (21645)
1,039 residents
- 21913 663
Cecilton (21913)
663 residents
- 21650 238
Massey (21650)
238 residents
- 21930 94
Georgetown (21930)
94 residents
What this shows Among its immediate neighbors, ZIP 21912 ranks #5 by population - useful context the national average alone can't give.
ZIP 21912 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 19709
Middletown (19709)
$132,956 median income
- 21919
Earleville (21919)
$106,500 median income
- 21635
Galena (21635)
$101,618 median income
- 21915
Chesapeake City (21915)
$95,875 median income
- 21913
Cecilton (21913)
$87,813 median income
- 21645
Kennedyville (21645)
$86,118 median income
- 21912
Warwick (21912)
$69,868 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21912, 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 (1,240 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Cecil County
Related Areas
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.
Related
Take this with you
What to do with ZIP 21912's numbers, next.
- See how ZIP 21912 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Warwick, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.