ZIP Code 21654 — Oxford town, MD Demographics & Data

ZIP code 21654 covers Oxford, MD in Talbot County with a population of about 1,195.

At a glance, the area shows median age of 65.6 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.

Oxford, MD fits a retirement-oriented profile (high share of residents 65+ (50.2%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 21654 is about $88,512 — about 18% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.9%; unemployment rate near 8.8%; 64.9% of adults with a bachelor’s degree or higher (about 31.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Public administration, and Professional services; about 18.1% of workers reporting work-from-home (about 2.9 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 $802,000 — about 130% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,117 (about 4% below the U.S. median rent ($1,163)), and owner-occupancy near 86.8% (about 21.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21654 in Oxford, MD, a household would need roughly $221,000 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 $5,152. That is about 150% above the local median household income ($88,512), so the median earner would likely stretch or need a larger down payment. 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 Oxford town, MD as Very Low (composite score 42.4), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (83.2) and wildfire (71.2). 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 Oxford town, MD show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 70 for ZIP 21654 (Oxford 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.