ZIP Code 21104 — Eldersburg CDP, MD Demographics & Data

ZIP code 21104 covers Eldersburg, MD in Howard County with a population of about 5,786.

At a glance, the area shows median age of 46.0 versus a U.S. median of about 38.9.

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

Eldersburg, MD ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$199,803)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 21104 is about $199,803 — about 166% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.5%; unemployment rate near 2.5%; 63.3% of adults with a bachelor’s degree or higher (about 29.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 19.6% of workers reporting work-from-home (about 4.4 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 $659,700 — about 90% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.9% (about 31.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21104 in Eldersburg, MD, a household would need roughly $182,000 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 $4,238. That is roughly in line with the local median household income ($199,803). 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 Eldersburg 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 Eldersburg CDP, MD show little to no average snow.

IRS migration statistics show a net inflow of about 340 for ZIP 21104 (Eldersburg 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.