Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
ZIP code 21023 covers MD in Baltimore County with a population of about 83.
At a glance, the area shows median age of 62.1 versus a U.S. median of about 38.9.
It sits in telephone area codes 410, 443, 667; U.S. House district MD-2; the BALTIMORE media market.
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 21023 is about $81,438 — about 8% above the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 27.8% of adults with a bachelor’s degree or higher (about 5.9 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Other services, Retail trade, and Education; a mean commute of about 49.0 minutes (U.S. average near 26.8).
Median home value is about $625,000 — about 80% above the U.S. median home value ($348,079).
Housing tenure and rents show owner-occupancy near 81.1% (about 15.7 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 21023 in MD, a household would need roughly $172,000 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 $4,015. That is about 111% above the local median household income ($81,438), 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 MD as Relatively High (composite score 95.0), which is among the highest nationally. The strongest component scores on US5 are flood (94.3) and hurricane (92.3). 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 MD show limited published climate normals on US5.
IRS migration statistics show a net inflow of about 5 for ZIP 21023 (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.