ZIP Code 21029 — Columbia CDP, MD Demographics & Data

ZIP code 21029 covers Columbia, MD in Howard County with a population of about 13,783.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301, 410, and 2 more; U.S. House district MD-3; the BALTIMORE media market.

Columbia, MD ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$250,001)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 21029 is about $250,001 — about 233% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.2%; unemployment rate near 2.5%; 81.8% of adults with a bachelor’s degree or higher (about 48.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Public administration, and Education; about 21.4% of workers reporting work-from-home (about 6.3 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 $904,700 — about 160% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,501 (about 201% above the U.S. median rent ($1,163)), and owner-occupancy near 91.7% (about 26.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21029 in Columbia, MD, a household would need roughly $249,000 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 $5,812. That is roughly in line with the local median household income ($250,001). 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 Columbia CDP, MD as Relatively Low (composite score 72.4), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (81.2) and flood (78.1). 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 Columbia CDP, MD show little to no average snow and around 47.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 810 for ZIP 21029 (Columbia 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.