Zip code 21048: Finksburg, Maryland

Q: What city is zip code 21048?

21048 is assigned to Finksburg, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 21048 in?

21048 is in Carroll County, Maryland.

Q: What is the population of 21048?

About 10,481 people live in 21048, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 21048?

The median household income in 21048 is $131,921.

Q: What zip codes are near 21048?

The closest zip codes to 21048 are 21157, 21136, 21071, 21020, 21784.

Residential delivery areaCarroll CountyEastern Time

Population

10,481

Median household income

$132K

U.S. $81K

Median home value

$459K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

41.7

U.S. 38.9

Land area

27 sq mi

385 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 21048

21048 is a small-town zip code in Finksburg, Maryland (Carroll County), covering 27 sq mi of land. About 10,481 people live here, or 385 per square mile. The median resident is 41.7 years old, compared with 38.9 nationally.

The median household earns $131,921 a year, 63% above the national median of $80,734. 1.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $459,000, or 3.5 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 98% of occupied homes are lived in by their owners.

47% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 38.7 minutes each way, and 19% of workers work from home. The most common jobs among working residents are in management; business and finance; and sales.

How 21048 compares

Sorted from highest to lowest national percentile

Homeownership rate97.8%
99th
StrengthU.S. 65.2% · MD 67.6%42nd of 441 in MD
Average commute38.7 min
96th
WeaknessU.S. 26.4 min · MD 31.1 min67th of 421 in MD
Median household income$131,921
90th
StrengthU.S. $80,734 · MD $103,678124th of 414 in MD
Median earnings per worker$66,508
84th
StrengthU.S. $49,666 · MD $61,200189th of 443 in MD
Per capita income$58,207
83rd
StrengthU.S. $44,673 · MD $52,979156th of 446 in MD
Tech workers5.3%
81st
U.S. 3.8% · MD 6.4%199th of 444 in MD
Bachelor's degree or higher47.3%
76th
U.S. 35.7% · MD 43.4%143rd of 445 in MD
Work from home18.5%
73rd
U.S. 15.1% · MD 19.3%187th of 444 in MD
Self-employed workers11.2%
71st
U.S. 10% · MD 8.7%143rd of 444 in MD
Government workers16.8%
71st
U.S. 14.5% · MD 22.5%331st of 444 in MD
Median home value$459,000
70th
U.S. $332,700 · MD $419,900164th of 421 in MD
Median age41.7
70th
U.S. 38.9 · MD 39.4222nd of 446 in MD
Veterans7.2%
69th
U.S. 6.2% · MD 6.8%216th of 446 in MD
Broadband access93.8%
64th
U.S. 91% · MD 92.4%203rd of 441 in MD
Rent-burdened renters54%
63rd
U.S. 51.1% · MD 51.5%151st of 404 in MD
Residents 65 and older17.4%
56th
U.S. 17.2% · MD 16.7%238th of 446 in MD
Residents under 1820.7%
37th
U.S. 22% · MD 22.2%256th of 446 in MD
Foreign-born residents6%
34th
U.S. 14.1% · MD 16.6%232nd of 446 in MD
Healthcare workers8.2%
31st
U.S. 9.7% · MD 9%214th of 444 in MD
Population density385/sq mi
29th
U.S. 95/sq mi · MD 639/sq mi231st of 446 in MD
Income inequality (Gini)0.398
20th
StrengthU.S. 0.483 · MD 0.456238th of 438 in MD
Unemployment rate3.1%
18th
StrengthU.S. 5.2% · MD 4.9%282nd of 444 in MD
Diversity index24.3
17th
U.S. 61.4 · MD 67.7338th of 446 in MD
Population10,481
16th
U.S. 334,922,499 · MD 6,206,011181st of 446 in MD
Housing vacancy2.6%
7th
U.S. 10.1% · MD 7.7%338th of 441 in MD
Poverty rate1.9%
1st
StrengthU.S. 12.5% · MD 9.4%387th of 441 in MD
Uninsured rate1%
1st
StrengthU.S. 8.4% · MD 6.3%376th of 444 in MD

Measure	21048	Carroll	MD	U.S.	National percentile	Rank in MD
Homeownership rateStrength	97.8%	84.3%	67.6%	65.2%	99th	42nd of 441
Average commuteWeakness	38.7 min	34.4 min	31.1 min	26.4 min	96th	67th of 421
Median household incomeStrength	$131,921	$118,211	$103,678	$80,734	90th	124th of 414
Median earnings per workerStrength	$66,508	$65,314	$61,200	$49,666	84th	189th of 443
Per capita incomeStrength	$58,207	$53,124	$52,979	$44,673	83rd	156th of 446
Tech workers	5.3%	5.1%	6.4%	3.8%	81st	199th of 444
Bachelor's degree or higher	47.3%	40.7%	43.4%	35.7%	76th	143rd of 445
Work from home	18.5%	17.3%	19.3%	15.1%	73rd	187th of 444
Self-employed workers	11.2%	9.2%	8.7%	10%	71st	143rd of 444
Government workers	16.8%	19.7%	22.5%	14.5%	71st	331st of 444
Median home value	$459,000	$434,000	$419,900	$332,700	70th	164th of 421
Median age	41.7	41.3	39.4	38.9	70th	222nd of 446
Veterans	7.2%	7.5%	6.8%	6.2%	69th	216th of 446
Broadband access	93.8%	92.5%	92.4%	91%	64th	203rd of 441
Rent-burdened renters	54%	49.1%	51.5%	51.1%	63rd	151st of 404
Residents 65 and older	17.4%	17.9%	16.7%	17.2%	56th	238th of 446
Residents under 18	20.7%	22%	22.2%	22%	37th	256th of 446
Foreign-born residents	6%	5.5%	16.6%	14.1%	34th	232nd of 446
Healthcare workers	8.2%	8.7%	9%	9.7%	31st	214th of 444
Population density	385/sq mi	392/sq mi	639/sq mi	95/sq mi	29th	231st of 446
Income inequality (Gini)Strength	0.398	0.403	0.456	0.483	20th	238th of 438
Unemployment rateStrength	3.1%	3.5%	4.9%	5.2%	18th	282nd of 444
Diversity index	24.3	28.1	67.7	61.4	17th	338th of 446
Population	10,481	175,321	6,206,011	334,922,499	16th	181st of 446
Housing vacancy	2.6%	3.7%	7.7%	10.1%	7th	338th of 441
Poverty rateStrength	1.9%	5.2%	9.4%	12.5%	1st	387th of 441
Uninsured rateStrength	1%	2.9%	6.3%	8.4%	1st	376th of 444

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

16%

5–17

18–24

10%

25–34

13%

35–44

11%

45–54

19%

55–64

65–74

75+

Median age

41.7

Under 18

20.7%

65 and over

17.4%

Race and ethnicity

White87%
Black1.0%
Hispanic4%
Asian4%
Native American0%
Pacific Islander0%
Other0.6%
Multiracial4%

Diversity index

24.3

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

67.8%

Language spoken at home (households)

English only

92%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 3,723
Average household size: 2.8
Family households: 73.7%
Married couples: 65.6%
Living alone: 23.6%
Veterans (of adults): 7.2%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

$25–50k

10%

$50–75k

10%

$75–100k

$100–150k

20%

$150–200k

16%

$200k+

29%

Median household income

21048

$131,921

Carroll Co.

$118,211

Maryland

$103,678

United States

$80,734

Per capita income

$58,207

U.S. $44,673

Poverty rate

1.9%

U.S. 12.5%

Households earning $150K+

45.1%

U.S. 23%

Income inequality (Gini)

0.398

U.S. 0.483

Housing

Median home value

21048

$459,000

Carroll Co.

$434,000

Maryland

$419,900

United States

$332,700

Median gross rent

21048

—

Carroll Co.

$1,427

Maryland

$1,705

United States

$1,413

Types of housing

Single-family

95%

2–4 units

5–19 units

20+ units

0.4%

Mobile home

Boat, RV, van

Housing units: 3,824
Owner-occupied: 97.8%
Vacant: 2.6%
Median year built: 1981
Median rooms: 7.7
Renters paying 30%+ of income: 54%
Renters paying 50%+ of income: 54%
Home value to income: 3.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

72%

Carpooled

Transit

Walked

0.0%

Bicycle

Worked from home

18%

Other

Commute time (one way)

<10 min

10–19

18%

20–29

17%

30–44

23%

45–59

16%

60+

21%

Average commute

38.7 min

U.S. 26.4 min

Unemployment

3.1%

U.S. 5.2%

In labor force

67.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

15%

Business and finance

13%

Sales

10%

Office and admin

Healthcare

Construction and repair

Engineering and science

Computer and math

Education

Arts, media and sports

Cleaning and personal care

Transportation and moving

Police and fire

Legal and social services

Production

Food service

Farming, fishing and forestry

0.3%

Industries

Health care and social assistance

15%

Professional and technical services

10%

Manufacturing

10%

Public administration

Finance, insurance and real estate

Education

Retail

Construction

Other services

Admin, support and management

Restaurants and hotels

Transportation, warehousing and utilities

Information

Arts and recreation

Wholesale

Agriculture and mining

0.7%

Median earnings per worker

$66,508

U.S. $49,666

Self-employed

11.2%

U.S. 10%

Government workers

16.8%

U.S. 14.5%

Nonprofit workers

8.8%

U.S. 8.8%

Median earnings by type of work

Type of work	21048	U.S.
Management, business, science and arts	$86,625	$74,888
Service	$47,813	$26,804
Sales and office	$47,263	$40,476
Construction and maintenance	$44,038	$49,199
Production and transportation	$34,766	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

29%

Some college

14%

Associate's

Bachelor's

30%

Graduate

18%

High school graduate or higher: 97.6%
Bachelor's degree or higher: 47.3%
Graduate or professional degree: 17.5%
Households with broadband: 93.8%
Cable, fiber or DSL: 78.1%
No internet access: 4.5%
Without health insurance: 1%
Limited-English households: 0.2%

Geography

City (USPS): Finksburg
State: Maryland
County: Carroll County
Center point: 39.5004° N, 76.9245° W
Land area: 27 sq mi
Water area: 1.4 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 21048

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
21157	Westminster, MD	4.6 mi	38,984	$104,966	$424,100
21136	Reisterstown, MD	6 mi	32,088	$118,500	$422,100
21071	Glyndon, MD	6.2 mi	404	$213,500	$450,500
21020	Boring, MD · PO box	6.5 mi	—	—	—
21784	Sykesville, MD	7.3 mi	39,258	$139,395	$491,800
21155	Upperco, MD	8.1 mi	3,313	$123,158	$479,500
21117	Owings Mills, MD	9.4 mi	62,816	$101,831	$387,400
21776	New Windsor, MD	9.4 mi	6,261	$133,409	$461,600
21074	Hampstead, MD	9.5 mi	14,777	$108,536	$378,100
21023	Butler, MD	10 mi	66	$84,474	$881,600
21133	Randallstown, MD	10 mi	31,398	$80,480	$322,800
21104	Marriottsville, MD	11 mi	6,052	$191,804	$680,200

Zip codes like 21048 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Hopewell Junction, NY

Questions about 21048

What city is zip code 21048?

21048 is assigned to Finksburg, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 21048 in?

21048 is in Carroll County, Maryland.

What is the population of 21048?

About 10,481 people live in 21048, according to the Census Bureau's American Community Survey.

What time zone is 21048 in?

21048 is in Eastern Time.

What is the median household income in 21048?

The median household income in 21048 is $131,921.

What zip codes are near 21048?

The closest zip codes to 21048 are 21157, 21136, 21071, 21020, 21784.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 21048, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.