ZIP Code 21157 — Westminster city, MD Demographics & Data

ZIP code 21157 covers Westminster, MD in Carroll County with a population of about 40,191.

At a glance, the area shows median age of 41.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 410, 443, 667; U.S. House district MD-2; the BALTIMORE media market.

Westminster, MD sits in a university / college context (near carroll community college (1.2 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 21157 is about $102,835 — about 37% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.5%; unemployment rate near 3.1%; 37.2% of adults with a bachelor’s degree or higher (about 3.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 15.2% of workers reporting work-from-home (roughly in line with 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 $394,100 — about 13% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,111 (about 4% below the U.S. median rent ($1,163)), and owner-occupancy near 75.9% (about 10.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21157 in Westminster, MD, a household would need roughly $109,000 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 $2,532. That is roughly in line with the local median household income ($102,835). 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 Westminster city, MD as Relatively Low (composite score 59.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (77.0) and flood (66.7). 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 Westminster city, MD show little to no average snow and around 47.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,361 for ZIP 21157 (Westminster city, 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.