Zip code 21654: Oxford, Maryland

Q: What city is zip code 21654?

21654 is assigned to Oxford, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 21654 in?

21654 is in Talbot County, Maryland.

Q: What is the population of 21654?

About 1,179 people live in 21654, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 21654?

The median household income in 21654 is $82,772.

Q: What zip codes are near 21654?

The closest zip codes to 21654 are 21662, 21653, 21673, 21601, 21652.

Residential delivery areaTalbot CountyEastern Time

Population

1,179

Median household income

$83K

U.S. $81K

Median home value

$840K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

68.7

U.S. 38.9

Land area

11 sq mi

106 people/sq mi

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

About 21654

21654 is a small-town zip code in Oxford, Maryland (Talbot County), covering 11 sq mi of land. About 1,179 people live here, or 106 per square mile. The median resident is 68.7 years old, compared with 38.9 nationally.

The median household earns $82,772 a year, close to the national median of $80,734. 12.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $840,000, or 10.1 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 86% of occupied homes are lived in by their owners.

67% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 35.3 minutes each way, and 21% of workers work from home. The most common jobs among working residents are in management; sales; and cleaning and personal care. 24% of them are self-employed (U.S.: 10%).

How 21654 compares

Sorted from highest to lowest national percentile

Median age68.7
99th
U.S. 38.9 · MD 39.46th of 446 in MD
Rent-burdened renters82.4%
99th
WeaknessU.S. 51.1% · MD 51.5%38th of 404 in MD
Residents 65 and older55.3%
99th
U.S. 17.2% · MD 16.7%8th of 446 in MD
Self-employed workers23.8%
99th
U.S. 10% · MD 8.7%27th of 444 in MD
Housing vacancy31.9%
98th
U.S. 10.1% · MD 7.7%26th of 441 in MD
Government workers27.9%
97th
U.S. 14.5% · MD 22.5%91st of 444 in MD
Unemployment rate10.3%
95th
WeaknessU.S. 5.2% · MD 4.9%28th of 444 in MD
Bachelor's degree or higher67.2%
94th
StrengthU.S. 35.7% · MD 43.4%41st of 445 in MD
Broadband access97.1%
93rd
StrengthU.S. 91% · MD 92.4%101st of 441 in MD
Median home value$840,000
92nd
U.S. $332,700 · MD $419,90023rd of 421 in MD
Average commute35.3 min
92nd
WeaknessU.S. 26.4 min · MD 31.1 min115th of 421 in MD
Homeownership rate85.7%
90th
StrengthU.S. 65.2% · MD 67.6%172nd of 441 in MD
Veterans10%
90th
U.S. 6.2% · MD 6.8%104th of 446 in MD
Per capita income$64,245
88th
StrengthU.S. $44,673 · MD $52,979100th of 446 in MD
Work from home20.9%
80th
U.S. 15.1% · MD 19.3%148th of 444 in MD
Income inequality (Gini)0.474
78th
U.S. 0.483 · MD 0.45666th of 438 in MD
Poverty rate12.8%
60th
U.S. 12.5% · MD 9.4%99th of 441 in MD
Median household income$82,772
54th
U.S. $80,734 · MD $103,678310th of 414 in MD
Foreign-born residents8%
43rd
U.S. 14.1% · MD 16.6%191st of 446 in MD
Median earnings per worker$44,555
38th
U.S. $49,666 · MD $61,200369th of 443 in MD
Diversity index26.2
19th
U.S. 61.4 · MD 67.7327th of 446 in MD
Population density106/sq mi
14th
U.S. 95/sq mi · MD 639/sq mi348th of 446 in MD
Tech workers1%
13th
U.S. 3.8% · MD 6.4%357th of 444 in MD
Population1,179
2nd
U.S. 334,922,499 · MD 6,206,011340th of 446 in MD
Uninsured rate1.3%
2nd
StrengthU.S. 8.4% · MD 6.3%368th of 444 in MD
Residents under 186.4%
1st
U.S. 22% · MD 22.2%418th of 446 in MD
Healthcare workers1%
1st
U.S. 9.7% · MD 9%410th of 444 in MD

Measure	21654	Talbot	MD	U.S.	National percentile	Rank in MD
Median age	68.7	51.2	39.4	38.9	99th	6th of 446
Rent-burdened rentersWeakness	82.4%	51.5%	51.5%	51.1%	99th	38th of 404
Residents 65 and older	55.3%	29.6%	16.7%	17.2%	99th	8th of 446
Self-employed workers	23.8%	15.3%	8.7%	10%	99th	27th of 444
Housing vacancy	31.9%	16.7%	7.7%	10.1%	98th	26th of 441
Government workers	27.9%	16.6%	22.5%	14.5%	97th	91st of 444
Unemployment rateWeakness	10.3%	4.3%	4.9%	5.2%	95th	28th of 444
Bachelor's degree or higherStrength	67.2%	42%	43.4%	35.7%	94th	41st of 445
Broadband accessStrength	97.1%	90.1%	92.4%	91%	93rd	101st of 441
Median home value	$840,000	$409,700	$419,900	$332,700	92nd	23rd of 421
Average commuteWeakness	35.3 min	24.7 min	31.1 min	26.4 min	92nd	115th of 421
Homeownership rateStrength	85.7%	75.1%	67.6%	65.2%	90th	172nd of 441
Veterans	10%	8.3%	6.8%	6.2%	90th	104th of 446
Per capita incomeStrength	$64,245	$56,059	$52,979	$44,673	88th	100th of 446
Work from home	20.9%	15.1%	19.3%	15.1%	80th	148th of 444
Income inequality (Gini)	0.474	0.506	0.456	0.483	78th	66th of 438
Poverty rate	12.8%	9.3%	9.4%	12.5%	60th	99th of 441
Median household income	$82,772	$84,811	$103,678	$80,734	54th	310th of 414
Foreign-born residents	8%	8%	16.6%	14.1%	43rd	191st of 446
Median earnings per worker	$44,555	$53,640	$61,200	$49,666	38th	369th of 443
Diversity index	26.2	43	67.7	61.4	19th	327th of 446
Population density	106/sq mi	141/sq mi	639/sq mi	95/sq mi	14th	348th of 446
Tech workers	1%	2.3%	6.4%	3.8%	13th	357th of 444
Population	1,179	37,917	6,206,011	334,922,499	2nd	340th of 446
Uninsured rateStrength	1.3%	3.9%	6.3%	8.4%	2nd	368th of 444
Residents under 18	6.4%	18.6%	22.2%	22%	1st	418th of 446
Healthcare workers	1%	10.8%	9%	9.7%	1st	410th 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

5–17

18–24

25–34

35–44

10%

45–54

10%

55–64

32%

65–74

23%

75+

Median age

68.7

Under 18

6.4%

65 and over

55.3%

Race and ethnicity

White85%
Black2%
Hispanic13%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial0.3%

Diversity index

26.2

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

20.1%

Language spoken at home (households)

English only

90%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 629
Average household size: 1.9
Family households: 68.8%
Married couples: 53.3%
Living alone: 23.5%
Veterans (of adults): 10%
Male / female: 45% / 55%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

16%

$50–75k

12%

$75–100k

32%

$100–150k

$150–200k

$200k+

12%

Median household income

21654

$82,772

Talbot Co.

$84,811

Maryland

$103,678

United States

$80,734

Per capita income

$64,245

U.S. $44,673

Poverty rate

12.8%

U.S. 12.5%

Households earning $150K+

19.9%

U.S. 23%

Income inequality (Gini)

0.474

U.S. 0.483

Housing

Median home value

21654

$840,000

Talbot Co.

$409,700

Maryland

$419,900

United States

$332,700

Median gross rent

21654

—

Talbot Co.

$1,256

Maryland

$1,705

United States

$1,413

Types of housing

Single-family

93%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 923
Owner-occupied: 85.7%
Vacant: 31.9%
Median year built: 1975
Median rooms: 7.4
Renters paying 30%+ of income: 82.4%
Renters paying 50%+ of income: 41.9%
Home value to income: 10.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

73%

Carpooled

0.8%

Transit

Walked

Bicycle

0.5%

Worked from home

21%

Other

Commute time (one way)

<10 min

31%

10–19

20–29

24%

30–44

13%

45–59

60+

25%

Average commute

35.3 min

U.S. 26.4 min

Unemployment

10.3%

U.S. 5.2%

In labor force

38.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

28%

Sales

20%

Cleaning and personal care

13%

Production

Legal and social services

Food service

Business and finance

Office and admin

Arts, media and sports

Police and fire

Education

Transportation and moving

Computer and math

Healthcare

Engineering and science

0.5%

Construction and repair

0.5%

Farming, fishing and forestry

Industries

Public administration

16%

Other services

15%

Finance, insurance and real estate

13%

Retail

11%

Professional and technical services

Education

Construction

Agriculture and mining

Restaurants and hotels

Health care and social assistance

Arts and recreation

Information

Wholesale

Admin, support and management

Transportation, warehousing and utilities

0.8%

Manufacturing

0.5%

Median earnings per worker

$44,555

U.S. $49,666

Self-employed

23.8%

U.S. 10%

Government workers

27.9%

U.S. 14.5%

Nonprofit workers

11.2%

U.S. 8.8%

Median earnings by type of work

Type of work	21654	U.S.
Management, business, science and arts	$88,625	$74,888
Service	$30,476	$26,804
Sales and office	$65,417	$40,476
Construction and maintenance	—	$49,199
Production and transportation	$3,952	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

Some college

16%

Associate's

Bachelor's

32%

Graduate

35%

High school graduate or higher: 95.5%
Bachelor's degree or higher: 67.2%
Graduate or professional degree: 34.9%
Households with broadband: 97.1%
Cable, fiber or DSL: 82.2%
No internet access: 1.9%
Without health insurance: 1.3%
Limited-English households: 0.3%

Geography

City (USPS): Oxford
State: Maryland
County: Talbot County
Center point: 38.6901° N, 76.1316° W
Land area: 11 sq mi
Water area: 4.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Oxford5% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 21654

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
21662	Royal Oak, MD	4.1 mi	546	$137,404	$1,107,100
21653	Newcomb, MD	4.4 mi	84	—	$829,500
21673	Trappe, MD	5.8 mi	2,843	$68,194	$363,100
21601	Easton, MD	7.5 mi	24,671	$83,680	$376,400
21652	Neavitt, MD	8.3 mi	155	$127,930	$504,600
21612	Bozman, MD	8.5 mi	470	$117,794	$680,000
21663	Saint Michaels, MD	8.6 mi	3,764	$89,775	$650,500
21609	Bethlehem, MD · PO box	10 mi	—	—	—
21647	McDaniel, MD	11 mi	320	$113,472	$634,300
21671	Tilghman, MD	11 mi	727	$45,125	$294,600
21676	Wittman, MD	11 mi	439	—	$643,500
21664	Secretary, MD	12 mi	635	$82,721	$172,000

Zip codes like 21654 elsewhere

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

Questions about 21654

What city is zip code 21654?

21654 is assigned to Oxford, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 21654 in?

21654 is in Talbot County, Maryland.

What is the population of 21654?

About 1,179 people live in 21654, according to the Census Bureau's American Community Survey.

What time zone is 21654 in?

21654 is in Eastern Time.

What is the median household income in 21654?

The median household income in 21654 is $82,772.

What zip codes are near 21654?

The closest zip codes to 21654 are 21662, 21653, 21673, 21601, 21652.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 21654, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.