ZIP Code 21540 — Luke town, MD Demographics & Data

ZIP code 21540 covers Luke, MD in Allegany County with a population of about 93.

At a glance, the area shows median age of 44.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-6; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 21540 is about $73,125 — about 3% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.4%; unemployment rate near 3.6%; 14.3% of adults with a bachelor’s degree or higher (about 19.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Real estate, and Healthcare; a mean commute of about 53.0 minutes (U.S. average near 26.8).

Median home value is about $50,000 — about 86% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $438 (about 62% below the U.S. median rent ($1,163)), and 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 21540 in Luke, MD, a household would need roughly $14,000 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 $321. That sits below the local median household income ($73,125), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Luke town, MD as Relatively Low (composite score 58.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (73.6) and hurricane (67.7). 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 Luke town, MD show little to no average snow and around 41.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 21540 (Luke town, 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.