21788 ZIP Code
Thurmont, Maryland
December 15, 2025
| ZIP Code: | 21788 |
| City/Town: | Thurmont |
| County: | Frederick |
| State: | Maryland |
| ZIP Type: | Standard |
| Population: | 11,412 |
| Median Household Income: | $90,091 |
| Per Capita Income: | $51,839 |
| Total Housing Units: | 4,955 |
| Median Home Value: | $328,600 |
| Land Area: | 65.4 sq miles
169.5 sq km |
| Water Area: | 0.5 sq miles
1.3 sq km |
| Coordinates: | 39.5900, -77.4139 |
Population Information (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 11,412 | -- | -- |
| Male: | 5,761 | 50.5% | 49.6% |
| Female: | 5,651 | 49.5% | 50.4% |
| Median Age: | 47.9 yrs | -- | 38.5 yrs |
| Under 5 years: | 329 | 2.9% | 5.7% |
| 5 to 9 years: | 449 | 3.9% | 6.0% |
| 10 to 14 years: | 761 | 6.7% | 6.5% |
| 15 to 19 years: | 647 | 5.7% | 6.6% |
| 20 to 24 years: | 716 | 6.3% | 6.7% |
| 25 to 34 years: | 1,388 | 12.2% | 13.7% |
| 35 to 44 years: | 1,018 | 8.9% | 12.9% |
| 45 to 54 years: | 1,743 | 15.3% | 12.4% |
| 55 to 59 years: | 1,188 | 10.4% | 6.5% |
| 60 to 64 years: | 947 | 8.3% | 6.4% |
| 65 to 74 years: | 1,351 | 11.8% | 9.7% |
| 75 to 84 years: | 491 | 4.3% | 4.8% |
| 85 years and over: | 384 | 3.4% | 2.0% |
Housing Information (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $328,600 | -- | $281,900 |
| Median rooms: | 6.7 | -- | 5.5 |
| Median rent: | $1,025 / mo. | -- | $1,268 / mo. |
| Total housing units: | 4,955 | -- | -- |
| Occupied housing units: | 4,648 | 93.8% | 38.0% |
| Vacant housing units: | 307 | 6.2% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,754 | 80.8% | 64.8% |
| Renter-occupied: | 894 | 19.2% | 35.2% |
Educational Attainment (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 8,510 | -- | -- |
| Less than 9th grade: | 249 | 2.9% | 4.7% |
| 9th to 12th grade, no diploma: | 532 | 6.3% | 6.1% |
| High school graduate: | 3,044 | 35.8% | 26.4% |
| Some college, no degree: | 1,503 | 17.7% | 19.7% |
| Associate degree: | 825 | 9.7% | 8.7% |
| Bachelor's degree: | 1,334 | 15.7% | 20.9% |
| Graduate or professional degree: | 1,023 | 12.0% | 13.7% |
| Percent high school graduate or higher: | -- | 90.8% | 89.1% |
| Percent bachelor's degree or higher: | -- | 27.7% | 34.3% |
Income Information (21788 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $90,091 / yr. | $75,149 / yr. |
| Mean household income: | $119,078 / yr. | $105,833 / yr. |
| Median family income: | $107,250 / yr. | $92,646 / yr. |
| Per capita income: | $51,839 / yr. | $41,261 / yr. |
Employment (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 6,691 | -- | 63.5% |
| Employed: | 6,515 | 97.6% | 96.4% |
| Unemployed: | 157 | 2.4% | 5.3% |
| Not in labor force: | 2,914 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 4,555 | 69.9% | 79.7% |
| Government workers: | 1,552 | 23.8% | 14.2% |
| Self-employed: | 395 | 6.1% | 5.9% |
| Unpaid family workers: | 13 | 0.2% | 0.1% |
Race & Ethnicity (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 10,710 | 93.8% | 61.6% |
| Black or African American: | 100 | 0.9% | 12.4% |
| American Indian/Alaska Native: | 15 | 0.1% | 1.1% |
| Asian: | 51 | 0.4% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 141 | 1.2% | 8.4% |
| Two or more races: | 395 | 3.5% | 10.2% |
| Hispanic or Latino (any race): | 317 | 2.8% | 18.7% |
| Mexican: | 426 | 3.7% | 11.2% |
| Puerto Rican: | 131 | 1.1% | 1.8% |
| Cuban: | 0 | 0.0% | 0.7% |
| Other Hispanic or Latino: | 133 | 1.2% | 5.0% |
| Not Hispanic or Latino: | 162 | 1.4% | 81.1% |
Income Distribution (21788 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 71 | 1.5% | 4.9% |
| $10,000 to $14,999: | 168 | 3.6% | 3.8% |
| $15,000 to $24,999: | 336 | 7.2% | 7.0% |
| $25,000 to $34,999: | 209 | 4.5% | 7.4% |
| $35,000 to $49,999: | 389 | 8.4% | 10.7% |
| $50,000 to $74,999: | 607 | 13.1% | 16.1% |
| $75,000 to $99,999: | 836 | 18.0% | 12.8% |
| $100,000 to $149,999: | 841 | 18.1% | 17.1% |
| $150,000 to $199,999: | 447 | 9.6% | 8.8% |
| $200,000 or more: | 744 | 16.0% | 11.4% |
Commute to Work (21788 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 5,018 | 77.0% | 67.8% |
| Carpooled: | 502 | 7.7% | 8.7% |
| Public transportation: | 16 | 0.2% | 4.2% |
| Walked: | 127 | 1.9% | 2.5% |
| Other means: | 76 | 1.2% | 0.9% |
| Worked from home: | 711 | 10.9% | 13.8% |
| Mean travel time to work: | 29.3 min | -- | 26.7 min |
Industry (21788 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 127 | 1.9% | 1.6% |
| Construction: | 783 | 12.0% | 6.9% |
| Manufacturing: | 364 | 5.6% | 10.0% |
| Wholesale trade: | 78 | 1.2% | 2.4% |
| Retail trade: | 659 | 10.1% | 11.0% |
| Transportation, warehousing, utilities: | 135 | 2.1% | 5.8% |
| Information: | 152 | 2.3% | 1.9% |
| Finance, insurance, real estate: | 386 | 5.9% | 6.7% |
| Professional, scientific, management: | 846 | 13.0% | 12.1% |
| Education, health care, social services: | 1,569 | 24.1% | 23.3% |
| Arts, entertainment, food services: | 412 | 6.3% | 9.0% |
| Other services: | 433 | 6.6% | 4.7% |
| Public administration: | 571 | 8.8% | 4.7% |
Poverty Status (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 8.2% | 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 (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 10,820 | 94.8% | 91.3% |
| Private health insurance: | 9,004 | 78.9% | 67.6% |
| Public health coverage: | 3,788 | 33.2% | 35.9% |
| Without health insurance: | 573 | 5.0% | 8.7% |
Benefits & Assistance (21788 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 3,664 | 78.8% | 77.4% |
| Social Security income: | 1,633 | 35.1% | 31.0% |
| Retirement income: | 1,256 | 27.0% | 21.8% |
| Supplemental Security Income (SSI): | 153 | 3.3% | 4.5% |
| Cash public assistance income: | 91 | 2.0% | 1.8% |
| SNAP (food stamps) benefits: | 427 | 9.2% | 11.4% |
Housing Types (21788 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,915 | 79.0% | 61.4% |
| 1-unit, attached: | 387 | 7.8% | 6.1% |
| 2 units: | 131 | 2.6% | 3.4% |
| 3 or 4 units: | 120 | 2.4% | 4.3% |
| 5 to 9 units: | 72 | 1.5% | 4.6% |
| 10 to 19 units: | 177 | 3.6% | 4.3% |
| 20 or more units: | 102 | 2.1% | 9.9% |
| Mobile home: | 51 | 1.0% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (21788 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 250 | 5.0% | 8.2% |
| Built 2000 to 2009: | 545 | 11.0% | 13.5% |
| Built 1990 to 1999: | 888 | 17.9% | 13.2% |
| Built 1980 to 1989: | 562 | 11.3% | 13.2% |
| Built 1970 to 1979: | 596 | 12.0% | 14.6% |
| Built 1960 to 1969: | 503 | 10.2% | 10.2% |
| Built 1950 to 1959: | 511 | 10.3% | 9.9% |
| Built 1940 to 1949: | 235 | 4.7% | 4.6% |
| Built 1939 or earlier: | 865 | 17.5% | 12.0% |
Bedrooms (21788 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 51 | 1.0% | 2.4% |
| 1 bedroom: | 365 | 7.4% | 3.0% |
| 2 bedrooms: | 781 | 15.8% | 9.1% |
| 3 bedrooms: | 2,268 | 45.8% | 15.9% |
| 4 bedrooms: | 1,259 | 25.4% | 18.8% |
| 5 or more bedrooms: | 231 | 4.7% | 17.6% |
Heating Fuel (21788 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 185 | 4.0% | 47.1% |
| Bottled, tank, or LP gas: | 318 | 6.8% | 4.9% |
| Electricity: | 2,549 | 54.8% | 40.2% |
| Fuel oil, kerosene, etc.: | 1,123 | 24.2% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 211 | 4.5% | 1.5% |
| Solar energy: | 9 | 0.2% | 0.1% |
| Other fuel: | 211 | 4.5% | 0.5% |
| No fuel used: | 42 | 0.9% | 0.2% |
Vehicles Available (21788 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 93 | 2.0% | 8.3% |
| 1 vehicle available: | 1,156 | 24.9% | 32.6% |
| 2 vehicles available: | 1,495 | 32.2% | 37.0% |
| 3 or more vehicles available: | 1,904 | 41.0% | 22.1% |
Home Value Distribution (21788 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 63 | 1.7% | 5.7% |
| $50,000 to $99,999: | 77 | 2.1% | 7.8% |
| $100,000 to $149,999: | 34 | 0.9% | 9.2% |
| $150,000 to $199,999: | 364 | 9.7% | 10.8% |
| $200,000 to $299,999: | 1,058 | 28.2% | 19.9% |
| $300,000 to $499,999: | 1,829 | 48.7% | 24.1% |
| $500,000 to $999,999: | 272 | 7.2% | 17.0% |
| $1,000,000 or more: | 57 | 1.5% | 5.6% |
Housing Costs (21788 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,750 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $649 / mo. | $584 / mo. |
| Median gross rent: | $1,025 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.50 | 2.53 |
| Average household size (renter-occupied): | 2.26 | 2.38 |
Households (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 4,648 | -- | -- |
| Married-couple households: | 2,718 | 58.5% | 47.5% |
| Cohabiting couple households: | 694 | 14.9% | 7.0% |
| Male householder, no spouse: | 555 | 11.9% | 5.4% |
| Female householder, no spouse: | 1,013 | 21.8% | 12.7% |
| Householder living alone: | 1,223 | 26.3% | 28.6% |
| 65 years and over living alone: | 1,687 | 36.3% | 11.8% |
| Average household size: | 2.45 | -- | 2.53 |
| Average family size: | 2.80 | -- | -- |
Marital Status (21788 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,965 | -- | -- |
| Never married: | 1,497 | 30.2% | 37.0% |
| Now married: | 2,872 | 57.8% | 49.5% |
| Separated: | 90 | 1.8% | 1.5% |
| Widowed: | 473 | 9.5% | 2.6% |
| Divorced: | 980 | 19.7% | 9.3% |
School Enrollment (21788 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,369 | -- | -- |
| Nursery school, preschool: | 88 | 3.7% | 5.8% |
| Kindergarten: | 56 | 2.4% | 5.0% |
| Elementary school (grades 1-8): | 1,002 | 42.3% | 40.5% |
| High school (grades 9-12): | 637 | 26.9% | 21.4% |
| College or graduate school: | 586 | 24.7% | 27.3% |
Veterans & Disability (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 9,396 | -- | -- |
| Veterans: | 742 | 7.9% | 6.3% |
| Civilian noninstitutionalized population: | 11,393 | -- | -- |
| With a disability: | 1,389 | 12.2% | 13.4% |
| Under 18 with disability: | 58 | 4.2% | 5.8% |
| 18 to 64 with disability: | 679 | 48.9% | 10.4% |
| 65 and over with disability: | 652 | 46.9% | 33.4% |
Mobility (Residence 1 Year Ago) (21788 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 9,731 | 85.3% | 86.9% |
| Different house: | 1,609 | 14.1% | 13.1% |
| Same county: | 1,039 | 64.6% | 7.0% |
| Different county: | 570 | 35.4% | 3.2% |
| Different state: | 126 | 7.8% | 2.5% |
| Abroad: | 0 | 0.0% | 0.4% |
Place of Birth (21788 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 11,225 | 98.4% | 86.2% |
| Foreign born: | 193 | 1.7% | 13.9% |
| Naturalized citizen: | 187 | 96.9% | 52.7% |
| Not a citizen: | 187 | 96.9% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 187 | 96.9% | 10.5% |
| Asia: | 65 | 33.7% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 67 | 34.7% | 50.0% |
| Northern America: | 16 | 8.3% | 2.2% |
Language Spoken at Home (21788 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 11,083 | -- | -- |
| English only: | 10,689 | 96.4% | 78.3% |
| Language other than English: | 394 | 3.6% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 204 | 1.8% | 13.3% |
| Other Indo-European languages: | 160 | 1.4% | 3.5% |
| Asian/Pacific Island languages: | 25 | 0.2% | 3.5% |
| Other languages: | 5 | 0.0% | 1.0% |
Computers & Internet (21788 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 4,648 | 100.0% | 93.1% |
| Households with broadband internet: | 4,235 | 91.1% | 89.4% |
Thurmont, MD21788