| ZIP Code | 21048 |
|---|---|
| City | Finksburg |
| State | Maryland (MD) |
| County | Carroll County |
| Area Code | 443/667 |
| Elevation | 596 ft |
| Latitude | 39.500375 |
|---|---|
| Longitude | -76.924538 |
| Timezone | New York (DST) |
| FIPS | 24013 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 44.7 yrs ↓ 4% since 2019 |
|---|---|
| Avg Household Size | 2.74 |
| Below Poverty | 2.2% ▼ 78% below avg |
| College Grads | 52.7% ▲ 36% above avg |
| Unemployment | 4.0% ▼ 19% below avg |
| No HS Diploma | 52 (0.8%) |
| HS Graduate | 1,724 (25.5%) |
| Some College | 724 (10.7%) |
| Associates | 700 (10.4%) |
| Bachelors | 607 (9%) |
| Graduate Degree | 2,956 (43.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $122,801 ▲ 61% above avg ↑ 10% since 2019 |
|---|---|
| Median Home Value | $423,900 ▲ 52% above avg ↑ 19% since 2019 |
| Home/Income Ratio | 3.5x (nat avg ~3.5x) |
| Median Rent | $1,500/mo ↑ 25% since 2019 |
| Total Units | 3,740 |
| Vacant Units | 87 |
| Avg HH Size | 2.74 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,740 |
|---|---|
| Vacant | 87 |
| Owner Occupied | 93.9% |
| Renter Occupied | 6.1% |
| Avg HH Size | 2.74 |
ZIP code 21048 is located in Finksburg, Maryland, within Carroll County. With a population of 10,002, this is a lightly populated ZIP code with a middle-aged community — the median age is 44.7 years. Economically, 21048 is a upper-middle-income ZIP code: the median household income of $122,801 is significantly above the national average.
Real estate in ZIP code 21048 represents a premium housing market. The median home value of $423,900 is significantly above the national average. Renters can expect to pay around $1,500 per month in median rent. Homeownership is strong here — 93.9% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 19% since 2019.
The population of 21048 is primarily White (85.93%). Residents are well-educated — 52.7% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 2.2%. Household income has grown by 10% since 2019.
The unemployment rate in 21048 stands at 4.0%, which is below the national average. About 19% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 72%.
Overall, ZIP code 21048 in Finksburg, MD is characterized as upper-middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 10,002 residents, a median household income of $122,801, and a median home value of $423,900, it offers a clear picture of life in this part of Maryland.