ZIP Code 21204 — Towson CDP, MD Demographics & Data

ZIP code 21204 covers Towson, MD in Baltimore County with a population of about 19,605.

At a glance, the area shows median age of 34.1 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.

Towson, MD sits in a university / college context (near towson university (1.3 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 21204 is about $98,452 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.9%; unemployment rate near 3.2%; 72.6% of adults with a bachelor’s degree or higher (about 38.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 21.4% of workers reporting work-from-home (about 6.2 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 $571,800 — about 64% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,777 (about 53% above the U.S. median rent ($1,163)), and owner-occupancy near 46.5% (about 18.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21204 in Towson, MD, a household would need roughly $157,000 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 $3,673. That is about 59% above the local median household income ($98,452), so the median earner would likely stretch or need a larger down payment. 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 Towson CDP, MD as Relatively High (composite score 95.0), which is among the highest nationally. The strongest component scores on US5 are flood (94.3) and hurricane (92.3). 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 Towson CDP, MD show little to no average snow.

IRS migration statistics show a net inflow of about 1,152 for ZIP 21204 (Towson 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.