ZIP Code 21769 — Middletown town, MD Demographics & Data

ZIP code 21769 covers Middletown, MD in Frederick County with a population of about 12,695.

At a glance, the area shows median age of 42.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 21769 is about $148,821 — about 98% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.9%; unemployment rate near 4.4%; 48.5% of adults with a bachelor’s degree or higher (about 14.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Public administration; about 24.4% of workers reporting work-from-home (about 9.2 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 $490,800 — about 41% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,379 (about 19% above the U.S. median rent ($1,163)), and owner-occupancy near 87.5% (about 22.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21769 in Middletown, MD, a household would need roughly $135,000 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 $3,153. That is roughly in line with the local median household income ($148,821). 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 Middletown town, 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 Middletown town, MD show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 746 for ZIP 21769 (Middletown 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.