ZIP Code 21632 — Federalsburg town, MD Demographics & Data

ZIP code 21632 covers Federalsburg, MD in Caroline County with a population of about 6,227.

At a glance, the area shows median age of 43.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 410, 443, 667; U.S. House district MD-1; the BALTIMORE media market.

Median household income in ZIP 21632 is about $59,808 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.9%; unemployment rate near 4.8%; 12.6% of adults with a bachelor’s degree or higher (about 21.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 4.4% of workers reporting work-from-home (about 10.8 points below 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 $192,800 — about 45% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $740 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 60.0% (about 5.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21632 in Federalsburg, MD, a household would need roughly $53,000 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 $1,238. That sits below the local median household income ($59,808), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Federalsburg town, MD as Relatively Low (composite score 45.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (88.2) and wildfire (63.7). 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 Federalsburg town, MD show little to no average snow and around 46.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 366 for ZIP 21632 (Federalsburg town, 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.