21048 ZIP Code
Finksburg, Maryland
December 15, 2025
| ZIP Code: | 21048 |
| City/Town: | Finksburg |
| County: | Carroll |
| State: | Maryland |
| ZIP Type: | Standard |
| Population: | 9,759 |
| Median Household Income: | $125,098 |
| Per Capita Income: | $63,634 |
| Total Housing Units: | 3,715 |
| Median Home Value: | $414,000 |
| Land Area: | 27.3 sq miles
70.6 sq km |
| Water Area: | 1.4 sq miles
3.6 sq km |
| Coordinates: | 39.5004, -76.9245 |
Population Information (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 9,759 | -- | -- |
| Male: | 5,120 | 52.5% | 49.6% |
| Female: | 4,639 | 47.5% | 50.4% |
| Median Age: | 46.8 yrs | -- | 38.5 yrs |
| Under 5 years: | 485 | 5.0% | 5.7% |
| 5 to 9 years: | 521 | 5.3% | 6.0% |
| 10 to 14 years: | 472 | 4.8% | 6.5% |
| 15 to 19 years: | 950 | 9.7% | 6.6% |
| 20 to 24 years: | 334 | 3.4% | 6.7% |
| 25 to 34 years: | 1,050 | 10.8% | 13.7% |
| 35 to 44 years: | 939 | 9.6% | 12.9% |
| 45 to 54 years: | 1,243 | 12.7% | 12.4% |
| 55 to 59 years: | 995 | 10.2% | 6.5% |
| 60 to 64 years: | 998 | 10.2% | 6.4% |
| 65 to 74 years: | 967 | 9.9% | 9.7% |
| 75 to 84 years: | 530 | 5.4% | 4.8% |
| 85 years and over: | 275 | 2.8% | 2.0% |
Housing Information (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $414,000 | -- | $281,900 |
| Median rooms: | 7.8 | -- | 5.5 |
| Median rent: | $1,185 / mo. | -- | $1,268 / mo. |
| Total housing units: | 3,715 | -- | -- |
| Occupied housing units: | 3,599 | 96.9% | 38.0% |
| Vacant housing units: | 116 | 3.1% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,338 | 92.7% | 64.8% |
| Renter-occupied: | 261 | 7.3% | 35.2% |
Educational Attainment (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 6,997 | -- | -- |
| Less than 9th grade: | 98 | 1.4% | 4.7% |
| 9th to 12th grade, no diploma: | 153 | 2.2% | 6.1% |
| High school graduate: | 1,885 | 26.9% | 26.4% |
| Some college, no degree: | 1,085 | 15.5% | 19.7% |
| Associate degree: | 552 | 7.9% | 8.7% |
| Bachelor's degree: | 2,054 | 29.4% | 20.9% |
| Graduate or professional degree: | 1,170 | 16.7% | 13.7% |
| Percent high school graduate or higher: | -- | 96.4% | 89.1% |
| Percent bachelor's degree or higher: | -- | 46.1% | 34.3% |
Income Information (21048 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $125,098 / yr. | $75,149 / yr. |
| Mean household income: | $149,589 / yr. | $105,833 / yr. |
| Median family income: | $149,131 / yr. | $92,646 / yr. |
| Per capita income: | $63,634 / yr. | $41,261 / yr. |
Employment (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 5,214 | -- | 63.5% |
| Employed: | 4,994 | 97.1% | 96.4% |
| Unemployed: | 151 | 2.9% | 5.3% |
| Not in labor force: | 2,892 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 3,895 | 78.0% | 79.7% |
| Government workers: | 831 | 16.6% | 14.2% |
| Self-employed: | 268 | 5.4% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 8,663 | 88.8% | 61.6% |
| Black or African American: | 305 | 3.1% | 12.4% |
| American Indian/Alaska Native: | 0 | 0.0% | 1.1% |
| Asian: | 350 | 3.6% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 23 | 0.2% | 8.4% |
| Two or more races: | 418 | 4.3% | 10.2% |
| Hispanic or Latino (any race): | 260 | 2.7% | 18.7% |
| Mexican: | 279 | 2.9% | 11.2% |
| Puerto Rican: | 45 | 0.5% | 1.8% |
| Cuban: | 43 | 0.4% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 191 | 2.0% | 81.1% |
Income Distribution (21048 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 37 | 1.0% | 4.9% |
| $10,000 to $14,999: | 16 | 0.4% | 3.8% |
| $15,000 to $24,999: | 183 | 5.1% | 7.0% |
| $25,000 to $34,999: | 173 | 4.8% | 7.4% |
| $35,000 to $49,999: | 253 | 7.0% | 10.7% |
| $50,000 to $74,999: | 306 | 8.5% | 16.1% |
| $75,000 to $99,999: | 374 | 10.4% | 12.8% |
| $100,000 to $149,999: | 810 | 22.5% | 17.1% |
| $150,000 to $199,999: | 705 | 19.6% | 8.8% |
| $200,000 or more: | 742 | 20.6% | 11.4% |
Commute to Work (21048 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 3,599 | 72.1% | 67.8% |
| Carpooled: | 321 | 6.4% | 8.7% |
| Public transportation: | 30 | 0.6% | 4.2% |
| Walked: | 0 | 0.0% | 2.5% |
| Other means: | 59 | 1.2% | 0.9% |
| Worked from home: | 952 | 19.1% | 13.8% |
| Mean travel time to work: | 40.0 min | -- | 26.7 min |
Industry (21048 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 27 | 0.5% | 1.6% |
| Construction: | 359 | 7.2% | 6.9% |
| Manufacturing: | 451 | 9.0% | 10.0% |
| Wholesale trade: | 92 | 1.8% | 2.4% |
| Retail trade: | 422 | 8.5% | 11.0% |
| Transportation, warehousing, utilities: | 125 | 2.5% | 5.8% |
| Information: | 66 | 1.3% | 1.9% |
| Finance, insurance, real estate: | 465 | 9.3% | 6.7% |
| Professional, scientific, management: | 623 | 12.5% | 12.1% |
| Education, health care, social services: | 1,156 | 23.1% | 23.3% |
| Arts, entertainment, food services: | 336 | 6.7% | 9.0% |
| Other services: | 336 | 6.7% | 4.7% |
| Public administration: | 536 | 10.7% | 4.7% |
Poverty Status (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 2.4% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 9,610 | 98.5% | 91.3% |
| Private health insurance: | 8,570 | 87.8% | 67.6% |
| Public health coverage: | 2,485 | 25.5% | 35.9% |
| Without health insurance: | 80 | 0.8% | 8.7% |
Benefits & Assistance (21048 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 2,878 | 80.0% | 77.4% |
| Social Security income: | 1,258 | 35.0% | 31.0% |
| Retirement income: | 1,160 | 32.2% | 21.8% |
| Supplemental Security Income (SSI): | 108 | 3.0% | 4.5% |
| Cash public assistance income: | 9 | 0.3% | 1.8% |
| SNAP (food stamps) benefits: | 184 | 5.1% | 11.4% |
Housing Types (21048 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,386 | 91.1% | 61.4% |
| 1-unit, attached: | 27 | 0.7% | 6.1% |
| 2 units: | 60 | 1.6% | 3.4% |
| 3 or 4 units: | 29 | 0.8% | 4.3% |
| 5 to 9 units: | 0 | 0.0% | 4.6% |
| 10 to 19 units: | 0 | 0.0% | 4.3% |
| 20 or more units: | 15 | 0.4% | 9.9% |
| Mobile home: | 198 | 5.3% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (21048 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 13 | 0.3% | 0.6% |
| Built 2010 to 2019: | 101 | 2.7% | 8.2% |
| Built 2000 to 2009: | 370 | 10.0% | 13.5% |
| Built 1990 to 1999: | 689 | 18.5% | 13.2% |
| Built 1980 to 1989: | 742 | 20.0% | 13.2% |
| Built 1970 to 1979: | 790 | 21.3% | 14.6% |
| Built 1960 to 1969: | 328 | 8.8% | 10.2% |
| Built 1950 to 1959: | 242 | 6.5% | 9.9% |
| Built 1940 to 1949: | 93 | 2.5% | 4.6% |
| Built 1939 or earlier: | 347 | 9.3% | 12.0% |
Bedrooms (21048 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 15 | 0.4% | 2.4% |
| 1 bedroom: | 86 | 2.3% | 3.0% |
| 2 bedrooms: | 422 | 11.4% | 9.1% |
| 3 bedrooms: | 1,329 | 35.8% | 15.9% |
| 4 bedrooms: | 1,464 | 39.4% | 18.8% |
| 5 or more bedrooms: | 399 | 10.7% | 17.6% |
Heating Fuel (21048 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 629 | 17.5% | 47.1% |
| Bottled, tank, or LP gas: | 134 | 3.7% | 4.9% |
| Electricity: | 1,716 | 47.7% | 40.2% |
| Fuel oil, kerosene, etc.: | 854 | 23.7% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 213 | 5.9% | 1.5% |
| Solar energy: | 7 | 0.2% | 0.1% |
| Other fuel: | 46 | 1.3% | 0.5% |
| No fuel used: | 0 | 0.0% | 0.2% |
Vehicles Available (21048 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 74 | 2.1% | 8.3% |
| 1 vehicle available: | 548 | 15.2% | 32.6% |
| 2 vehicles available: | 1,598 | 44.4% | 37.0% |
| 3 or more vehicles available: | 1,379 | 38.3% | 22.1% |
Home Value Distribution (21048 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 93 | 2.8% | 5.7% |
| $50,000 to $99,999: | 55 | 1.6% | 7.8% |
| $100,000 to $149,999: | 22 | 0.7% | 9.2% |
| $150,000 to $199,999: | 21 | 0.6% | 10.8% |
| $200,000 to $299,999: | 329 | 9.9% | 19.9% |
| $300,000 to $499,999: | 1,826 | 54.7% | 24.1% |
| $500,000 to $999,999: | 930 | 27.9% | 17.0% |
| $1,000,000 or more: | 62 | 1.9% | 5.6% |
Housing Costs (21048 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $2,344 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $576 / mo. | $584 / mo. |
| Median gross rent: | $1,185 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.76 | 2.53 |
| Average household size (renter-occupied): | 2.08 | 2.38 |
Households (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 3,599 | -- | -- |
| Married-couple households: | 2,472 | 68.7% | 47.5% |
| Cohabiting couple households: | 960 | 26.7% | 7.0% |
| Male householder, no spouse: | 426 | 11.8% | 5.4% |
| Female householder, no spouse: | 496 | 13.8% | 12.7% |
| Householder living alone: | 1,193 | 33.1% | 28.6% |
| 65 years and over living alone: | 1,213 | 33.7% | 11.8% |
| Average household size: | 2.71 | -- | 2.53 |
| Average family size: | 3.09 | -- | -- |
Marital Status (21048 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,317 | -- | -- |
| Never married: | 1,194 | 27.7% | 37.0% |
| Now married: | 2,712 | 62.8% | 49.5% |
| Separated: | 164 | 3.8% | 1.5% |
| Widowed: | 215 | 5.0% | 2.6% |
| Divorced: | 648 | 15.0% | 9.3% |
School Enrollment (21048 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,278 | -- | -- |
| Nursery school, preschool: | 117 | 5.1% | 5.8% |
| Kindergarten: | 150 | 6.6% | 5.0% |
| Elementary school (grades 1-8): | 714 | 31.3% | 40.5% |
| High school (grades 9-12): | 681 | 29.9% | 21.4% |
| College or graduate school: | 616 | 27.0% | 27.3% |
Veterans & Disability (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 7,743 | -- | -- |
| Veterans: | 627 | 8.1% | 6.3% |
| Civilian noninstitutionalized population: | 9,690 | -- | -- |
| With a disability: | 1,098 | 11.3% | 13.4% |
| Under 18 with disability: | 13 | 1.2% | 5.8% |
| 18 to 64 with disability: | 506 | 46.1% | 10.4% |
| 65 and over with disability: | 579 | 52.7% | 33.4% |
Mobility (Residence 1 Year Ago) (21048 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 9,231 | 94.6% | 86.9% |
| Different house: | 475 | 4.9% | 13.1% |
| Same county: | 114 | 24.0% | 7.0% |
| Different county: | 361 | 76.0% | 3.2% |
| Different state: | 132 | 27.8% | 2.5% |
| Abroad: | 0 | 0.0% | 0.4% |
Place of Birth (21048 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 9,338 | 95.7% | 86.2% |
| Foreign born: | 21 | 0.2% | 13.9% |
| Naturalized citizen: | 421 | 2004.8% | 52.7% |
| Not a citizen: | 421 | 2004.8% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 421 | 2004.8% | 10.5% |
| Asia: | 82 | 390.5% | 31.3% |
| Africa: | 42 | 200.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 76 | 361.9% | 50.0% |
| Northern America: | 11 | 52.4% | 2.2% |
Language Spoken at Home (21048 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 9,274 | -- | -- |
| English only: | 8,813 | 95.0% | 78.3% |
| Language other than English: | 461 | 5.0% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 80 | 0.9% | 13.3% |
| Other Indo-European languages: | 207 | 2.2% | 3.5% |
| Asian/Pacific Island languages: | 126 | 1.4% | 3.5% |
| Other languages: | 48 | 0.5% | 1.0% |
Computers & Internet (21048 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 3,599 | 100.0% | 93.1% |
| Households with broadband internet: | 3,473 | 96.5% | 89.4% |
Finksburg, MD21048