ZIP Code 21645 — Kennedyville CDP, MD Demographics & Data

ZIP code 21645 covers Kennedyville, MD in Kent County with a population of about 872.

At a glance, the area shows median age of 59.5 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.

Kennedyville, MD fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 18.5%; unemployment rate near 6.9%; 35.4% of adults with a bachelor’s degree or higher (about 1.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Professional services; about 12.2% of workers reporting work-from-home (about 3.0 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 $298,700 — about 14% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $736 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 74.8% (about 9.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21645 in Kennedyville, MD, a household would need roughly $82,000 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 $1,919. 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 Kennedyville CDP, MD as Very Low (composite score 27.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (80.8) and wildfire (25.4). 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 Kennedyville CDP, MD show little to no average snow and around 46.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 51 for ZIP 21645 (Kennedyville 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.