The basics
Total Population
24,960
Median Age
36.4
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$238,000
Median Property Tax
$2,020
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
2.91
Median Rent
$1,360
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
60%
Appreciation 1yr %
8.8%
Pandemic Gain %
46%
Recession Drop %
-30%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
84.3
Winter Avg Low (°F)
27.5
Avg Temperature (°F)
55.2
Hot Days/yr (>90°F)
25.8
Freezing Days/yr (<32°F)
83.2
Annual Precipitation (in)
50
Annual Snowfall (in)
16.7
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
29.7
EAL Flood/Coastal per $1K
0.01
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 21040: frequently asked questions
- What is the median home value in ZIP Code 21040?
- The median home value in ZIP Code 21040 is $238,000, higher than 59% of U.S. ZIP codes.
- How much is property tax in ZIP Code 21040?
- The median annual property tax in ZIP Code 21040 is $2,020, an effective rate of 1% of home value.
- Is ZIP Code 21040 expensive to live in?
- Homes in ZIP Code 21040 cost about 2.91× the median household income, near the U.S. ZIP codes median.
- What is the average rent in ZIP Code 21040?
- The median gross rent in ZIP Code 21040 is $1,360 a month, higher than 78% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 21040?
- Home prices in ZIP Code 21040 have moved 60% over the past five years (8.8% in the past year), per the FHFA House Price Index.
- What is the weather like in ZIP Code 21040?
- ZIP Code 21040 averages 55.2°F year-round, summer highs near 84.3°F, winter lows around 27.5°F (NOAA 1991–2020 normals). It sees about 16.7 inches of snow a year.
- Is ZIP Code 21040 at risk of flooding or natural disasters?
- ZIP Code 21040's FEMA National Risk Index score is 29.7 (lower than 85% of U.S. ZIP codes). Its greatest modeled natural hazard is heat_wave. Expected annual loss from flooding is 0.01 per $1,000 of building value.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →