ZIP Code 21012 — Arnold CDP, MD Demographics & Data

ZIP code 21012 covers Arnold, MD in Anne Arundel County with a population of about 22,306.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area codes 410, 443, 667; U.S. House district MD-3; the BALTIMORE media market.

Arnold, MD sits in a university / college context (near anne arundel community college (0.9 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 21012 is about $137,544 — about 83% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 3.3%; 59.8% of adults with a bachelor’s degree or higher (about 26.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Public administration; about 21.0% of workers reporting work-from-home (about 5.8 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $552,000 — about 59% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,846 (about 59% above the U.S. median rent ($1,163)), and owner-occupancy near 84.9% (about 19.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21012 in Arnold, MD, a household would need roughly $152,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,546. That is roughly in line with the local median household income ($137,544). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Arnold CDP, MD as Relatively Moderate (composite score 81.9), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (87.2) and flood (80.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Arnold CDP, MD show little to no average snow.

IRS migration statistics show a net inflow of about 1,310 for ZIP 21012 (Arnold CDP, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.