ZIP Code 21782 — Mercersville CDP, MD Demographics & Data

ZIP code 21782 covers Mercersville, MD in Washington County with a population of about 4,056.

At a glance, the area shows median age of 48.1 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.

Median household income in ZIP 21782 is about $89,375 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.7%; unemployment rate near 8.1%; 25.1% of adults with a bachelor’s degree or higher (about 8.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Education, and Retail trade; about 14.3% 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 $295,900 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $857 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 80.8% (about 15.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21782 in Mercersville, MD, a household would need roughly $81,000 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 $1,901. That is roughly in line with the local median household income ($89,375). 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 Mercersville CDP, 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 Mercersville CDP, MD show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 238 for ZIP 21782 (Mercersville 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.