ZIP Code 21912 — Cecilton town, MD Demographics & Data

ZIP code 21912 covers Cecilton, MD in Cecil County with a population of about 1,430.

At a glance, the area shows median age of 59.0 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.

Cecilton, 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 21912 is about $65,074 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.6%; unemployment rate near 2.2%; 24.0% of adults with a bachelor’s degree or higher (about 9.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Agriculture; about 12.6% of workers reporting work-from-home (about 2.6 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 $385,600 — about 11% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.3% (about 24.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21912 in Cecilton, MD, a household would need roughly $106,000 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 $2,477. That is about 63% above the local median household income ($65,074), 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 Cecilton town, MD as Relatively Low (composite score 58.6), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (78.3) and flood (60.8). 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 Cecilton town, MD show little to no average snow and around 47.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 84 for ZIP 21912 (Cecilton 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.