ZIP Code 21665 — Tilghman Island CDP, MD Demographics & Data

ZIP code 21665 covers Tilghman Island, MD in Talbot County with a population of about 169.

At a glance, the area shows median age of 62.5 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.

Tilghman Island, MD fits a retirement-oriented profile (high share of residents 65+ (47.9%)). 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 13.0%; unemployment rate near 8.7%; 41.8% of adults with a bachelor’s degree or higher (about 8.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Information, and Retail trade; about 27.0% of workers reporting work-from-home (about 11.8 points above the U.S. share (15.2%)); a mean commute of about 46.0 minutes (U.S. average near 26.8).

Median home value is about $525,900 — about 51% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21665 in Tilghman Island, MD, a household would need roughly $145,000 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 $3,378. 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 Tilghman Island CDP, 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 Tilghman Island CDP, MD show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 21665 (Tilghman Island 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.