ZIP Code 21108 — Severna Park CDP, MD Demographics & Data

ZIP code 21108 covers Severna Park, MD in Anne Arundel County with a population of about 17,894.

At a glance, the area shows median age of 41.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 410, 443, 667; U.S. House district MD-3; the BALTIMORE media market.

Median household income in ZIP 21108 is about $146,556 — about 95% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.5%; unemployment rate near 4.3%; 53.6% of adults with a bachelor’s degree or higher (about 19.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Healthcare, and Professional services; about 18.6% of workers reporting work-from-home (about 3.4 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 $543,200 — about 56% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,898 (about 63% above the U.S. median rent ($1,163)), and owner-occupancy near 87.0% (about 21.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21108 in Severna Park, MD, a household would need roughly $150,000 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 $3,489. That is roughly in line with the local median household income ($146,556). 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 Severna Park CDP, MD as Relatively Moderate (composite score 81.9), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (87.2) and flood (80.9). 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 Severna Park CDP, MD show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,051 for ZIP 21108 (Severna Park 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.