ZIP Code 21640 — Henderson town, MD Demographics & Data

ZIP code 21640 covers Henderson, MD in Caroline County with a population of about 1,251.

At a glance, the area shows median age of 41.8 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 21640 is about $65,952 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 1.4%; 14.6% of adults with a bachelor’s degree or higher (about 19.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Agriculture; about 1.0% of workers reporting work-from-home (about 14.2 points below 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 $260,200 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $925 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 96.0% (about 30.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21640 in Henderson, MD, a household would need roughly $72,000 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 $1,671. That is roughly in line with the local median household income ($65,952). 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 Henderson town, MD as Relatively Low (composite score 45.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (88.2) and wildfire (63.7). 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 Henderson town, MD show little to no average snow and around 46.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 73 for ZIP 21640 (Henderson 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.