ZIP Code 21048 — Eldersburg CDP, MD Demographics & Data

ZIP code 21048 covers Eldersburg, MD in Carroll County with a population of about 10,002.

At a glance, the area shows median age of 44.7 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.

Median household income in ZIP 21048 is about $122,801 — about 63% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.2%; unemployment rate near 4.0%; 43.5% of adults with a bachelor’s degree or higher (about 9.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Retail trade; about 19.2% of workers reporting work-from-home (about 4.0 points above 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 $423,900 — about 22% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,101 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 93.9% (about 28.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21048 in Eldersburg, MD, a household would need roughly $117,000 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 $2,723. That is roughly in line with the local median household income ($122,801). 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 Eldersburg CDP, MD as Relatively Low (composite score 59.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (77.0) and flood (66.7). 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 Eldersburg CDP, MD show little to no average snow.

IRS migration statistics show a net inflow of about 588 for ZIP 21048 (Eldersburg 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.