ZIP Code 21734 — Funkstown town, MD Demographics & Data

ZIP code 21734 covers Funkstown, MD in Washington County with a population of about 826.

At a glance, the area shows median age of 55.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-6; the WASHINGTON, DC (HAGRSTWN) media market.

Funkstown, MD fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 21734 is about $58,438 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 3.9%; 31.6% of adults with a bachelor’s degree or higher (about 2.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Transportation; about 11.6% of workers reporting work-from-home (about 3.6 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 $241,900 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $685 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 60.8% (about 4.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21734 in Funkstown, 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 $1,554. That is roughly in line with the local median household income ($58,438). 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 Funkstown town, MD as Relatively Low (composite score 68.8), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (85.7) and flood (73.1). 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 Funkstown town, MD show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 49 for ZIP 21734 (Funkstown 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.