ZIP Code 21638 — Grasonville CDP, MD Demographics & Data

ZIP code 21638 covers Grasonville, MD in Queen Anne's County with a population of about 5,068.

At a glance, the area shows median age of 45.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 410, 443, 667; U.S. House district MD-1; the BALTIMORE media market.

Median household income in ZIP 21638 is about $130,804 — about 74% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 2.6%; 43.2% of adults with a bachelor’s degree or higher (about 9.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Public administration, and Construction; about 19.9% of workers reporting work-from-home (about 4.7 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 $491,000 — about 41% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,440 (about 24% above the U.S. median rent ($1,163)), and owner-occupancy near 82.7% (about 17.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21638 in Grasonville, MD, a household would need roughly $135,000 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 $3,154. That is roughly in line with the local median household income ($130,804). 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 Grasonville CDP, MD as Very Low (composite score 35.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (78.5) and wildfire (59.6). 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 Grasonville CDP, MD show little to no average snow and around 46.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 298 for ZIP 21638 (Grasonville 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.