ZIP Code 21663 — St. Michaels town, MD Demographics & Data

ZIP code 21663 covers St. Michaels, MD in Talbot County with a population of about 3,745.

At a glance, the area shows median age of 52.9 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 21663 is about $81,932 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.7%; unemployment rate near 4.9%; 49.5% of adults with a bachelor’s degree or higher (about 15.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Construction; about 11.7% of workers reporting work-from-home (about 3.5 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 $633,300 — about 82% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $807 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 78.7% (about 13.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21663 in St. Michaels, MD, a household would need roughly $174,000 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 $4,068. That is about 112% above the local median household income ($81,932), 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 St. Michaels 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 St. Michaels 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 220 for ZIP 21663 (St. Michaels 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.