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ZIP Code 21045

Howard, Maryland

ZCTA 21045

Juniper

ZIP Code 21045 is in the lowest 3% nationally for FEMA risk score. It also sits in the highest 10% nationally for median income. And it sits in the highest 14% nationally for median rent.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$516,184

Higher than 76% of U.S. ZIP codes
Home Price Growth, Past Five Years

40%

Lower than 80% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

15

Lower than 97% of U.S. ZIP codes

The boundary of ZIP Code 21045, in Howard, Maryland.

The basics

Total Population

40,034

Median Age

39.6

Population Density

4,128.25

Home values & property tax

Median Property Tax

$5,700

Property Tax Rateyearly tax as a share of home value

1.3%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

3.83×

Higher than 68% of U.S. ZIP codes
Median Income

$118,563

Higher than 90% of U.S. ZIP codes
Median Rent

$1,777

Higher than 86% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

1.1%

Lower than 69% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

37%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

20%

Climate & weather

Summer Avg High (°F)

86.6

Winter Avg Low (°F)

27.3

Avg Temperature (°F)

56.2

Hot Days/yr (>90°F)

33.9

Freezing Days/yr (<32°F)

93.2

Annual Precipitation (in)

49.2

Annual Snowfall (in)

28.5

Flood & disaster risk

Coastal Flood Loss per $1,000

$0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 21045: frequently asked questions

What is the typical home value in ZIP Code 21045?
The estimated median home value in ZIP Code 21045 today is $516,184, higher than 76% of U.S. ZIP codes.
How much is property tax in ZIP Code 21045?
The median annual property tax in ZIP Code 21045 is $5,700, an effective rate of 1.3% of home value.
Is ZIP Code 21045 expensive to live in?
Homes in ZIP Code 21045 cost about 3.83× the median household income, higher than 68% of U.S. ZIP codes.
What is the average rent in ZIP Code 21045?
The median gross rent in ZIP Code 21045 is $1,777 a month, higher than 86% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 21045?
Home prices in ZIP Code 21045 have moved 40% over the past five years (1.1% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 21045?
ZIP Code 21045 has a population of 40,034, about 4,128.25 people per square mile, per the U.S. Census American Community Survey. The median age is 39.6.
What is the weather like in ZIP Code 21045?
ZIP Code 21045 averages 56.2°F year-round, summer highs near 86.6°F, winter lows around 27.3°F (NOAA 1991–2020 normals). It sees about 28.5 inches of snow a year.
Is ZIP Code 21045 at risk of flooding or natural disasters?
ZIP Code 21045's FEMA National Risk Index score is 15 (lower than 97% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

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