The basics
Total Population
3,696
Median Age
41.2
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$914,300
Median Property Tax
$8,830
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
3.66
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
39%
Appreciation 1yr %
-1.6%
Pandemic Gain %
32%
Recession Drop %
-23%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
82.4
Winter Avg Low (°F)
26.7
Avg Temperature (°F)
54
Hot Days/yr (>90°F)
13.1
Freezing Days/yr (<32°F)
98.3
Annual Precipitation (in)
47.9
Annual Snowfall (in)
28.5
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
35.8
EAL Flood/Coastal per $1K
0
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 21738: frequently asked questions
- What is the median home value in ZIP Code 21738?
- The median home value in ZIP Code 21738 is $914,300, higher than 97% of U.S. ZIP codes.
- How much is property tax in ZIP Code 21738?
- The median annual property tax in ZIP Code 21738 is $8,830, an effective rate of 1% of home value.
- Is ZIP Code 21738 expensive to live in?
- Homes in ZIP Code 21738 cost about 3.66× the median household income, higher than 69% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 21738?
- Home prices in ZIP Code 21738 have moved 39% over the past five years (-1.6% in the past year), per the FHFA House Price Index.
- What is the weather like in ZIP Code 21738?
- ZIP Code 21738 averages 54°F year-round, summer highs near 82.4°F, winter lows around 26.7°F (NOAA 1991–2020 normals). It sees about 28.5 inches of snow a year.
- Is ZIP Code 21738 at risk of flooding or natural disasters?
- ZIP Code 21738's FEMA National Risk Index score is 35.8 (lower than 80% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Modeled coastal-flood loss is negligible.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →