ZIP Code 21641 — Hillsboro town, MD Demographics & Data

ZIP code 21641 covers Hillsboro, MD in Caroline County with a population of about 130.

At a glance, the area shows median age of 53.5 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 21641 is about $65,417 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 29.2%; unemployment rate near 1.4%; 17.9% of adults with a bachelor’s degree or higher (about 15.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Food services; about 6.9% of workers reporting work-from-home (about 8.3 points below the U.S. share (15.2%)); a mean commute of about 54.0 minutes (U.S. average near 26.8).

Median home value is about $241,700 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $752 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 55.7% (about 9.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21641 in Hillsboro, MD, a household would need roughly $67,000 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 $1,553. That is roughly in line with the local median household income ($65,417). 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 Hillsboro 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 Hillsboro town, MD show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 21641 (Hillsboro 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.