| ZIP Code | 21654 |
|---|---|
| City | Oxford |
| State | Maryland (MD) |
| County | Talbot County |
| Area Code | 410/667 |
| Elevation | 5 ft |
| Latitude | 38.690105 |
|---|---|
| Longitude | -76.131594 |
| Timezone | New York (DST) |
| FIPS | 24041 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 65.6 yrs ↑ 2% since 2019 |
|---|---|
| Avg Household Size | 2.04 |
| Below Poverty | 9.9% ≈ Avg |
| College Grads | 73.0% ▲ 88% above avg |
| Unemployment | 8.8% ▲ 80% above avg |
| No HS Diploma | 7 (0.7%) |
| HS Graduate | 69 (7.1%) |
| Some College | 34 (3.5%) |
| Associates | 154 (15.8%) |
| Bachelors | 52 (5.3%) |
| Graduate Degree | 660 (67.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $88,512 ▲ 16% above avg ↑ 16% since 2019 |
|---|---|
| Median Home Value | $802,000 ▲ 188% above avg ↑ 15% since 2019 |
| Home/Income Ratio | 9.1x (nat avg ~3.5x) |
| Median Rent | $1,479/mo ↑ 21% since 2019 |
| Total Units | 877 |
| Vacant Units | 292 |
| Avg HH Size | 2.04 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 877 |
|---|---|
| Vacant | 292 |
| Owner Occupied | 86.8% |
| Renter Occupied | 13.2% |
| Avg HH Size | 2.04 |
ZIP code 21654 is located in Oxford, Maryland, within Talbot County. With a population of 1,195, this is a sparsely populated ZIP code with an older community — the median age is 65.6 years. Economically, 21654 is a middle-income ZIP code: the median household income of $88,512 is above the national average.
Real estate in ZIP code 21654 represents among the most expensive housing markets in the country. The median home value of $802,000 is more than double the national average. Renters can expect to pay around $1,479 per month in median rent. Homeownership is strong here — 86.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 15% since 2019.
The population of 21654 is primarily White (79.16%). Residents are highly educated — 73.0% hold a bachelor's degree or higher, which is significantly above the national average. Poverty affects a relatively small share of residents at 9.9%. Household income has grown by 16% since 2019.
The unemployment rate in 21654 stands at 8.8%, which is significantly above the national average. About 18% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 71%.
Overall, ZIP code 21654 in Oxford, MD is characterized as middle-income, highly educated, an older community, and predominantly owner-occupied. With 1,195 residents, a median household income of $88,512, and a median home value of $802,000, it offers a clear picture of life in this part of Maryland.