ZIP Code 21676 — undefined, MD Demographics & Data

ZIP code 21676 covers MD in Talbot County with a population of about 300.

At a glance, the area shows median age of 71.7 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.

MD reads as a military / base-oriented community on US5’s intent model (elevated veteran share (21.0%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 21676 is about $112,862 — about 50% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 0.0%; 55.7% of adults with a bachelor’s degree or higher (about 22.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Real estate; about 25.8% of workers reporting work-from-home (about 10.6 points above the U.S. share (15.2%)); a mean commute of about 72.0 minutes (U.S. average near 26.8).

Median home value is about $668,800 — about 92% 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 21676 in MD, a household would need roughly $184,000 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 $4,296. That is about 63% above the local median household income ($112,862), 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 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 MD show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 21676 (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.