ZIP Code 21704 — Urbana CDP, MD Demographics & Data

ZIP code 21704 covers Urbana, MD in Frederick County with a population of about 19,623.

At a glance, the area shows median age of 38.4 (near the U.S. median).

It sits in telephone area codes 227, 240, 301; U.S. House district MD-6; the WASHINGTON, DC (HAGRSTWN) media market.

Urbana, MD aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 21704 is about $164,457 — about 119% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 3.5%; 58.1% of adults with a bachelor’s degree or higher (about 24.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 27.3% of workers reporting work-from-home (about 12.1 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 $585,900 — about 68% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,179 (about 87% above the U.S. median rent ($1,163)), and owner-occupancy near 81.3% (about 15.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21704 in Urbana, MD, a household would need roughly $161,000 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 $3,764. That is roughly in line with the local median household income ($164,457). 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 Urbana CDP, MD as Relatively Low (composite score 74.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (81.6) and hurricane (79.3). 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 Urbana CDP, MD show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,153 for ZIP 21704 (Urbana 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.