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ZIP Code 21040

Harford, Maryland

FIPS 21040

Juniper

ZIP Code 21040 is in the top 7% nationally for appreciation 1yr %. It also sits in the top 14% nationally for HPI growth 5yr %. And it sits in the top 15% nationally for FEMA risk score.

Median Home Value

$238,000

Higher than 59% of U.S. ZIP codes

HPI Growth 5yr %

60%

Higher than 86% of U.S. ZIP codes

FEMA Risk Score

29.7

Lower than 85% of U.S. ZIP codes

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

Higher than 59%

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

Near median

Median Rent

$1,360

Higher than 78%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

60%

Higher than 86%

Appreciation 1yr %

8.8%

Higher than 93%

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

Lower than 85%

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 →