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ZIP Code 21738

Howard, Maryland

FIPS 21738

Juniper

ZIP Code 21738 is in the top 20% nationally for FEMA risk score, but in the bottom 31% nationally for price-to-income ratio. It also sits in the 97th percentile nationally for median home value. And it sits in the top 37% nationally for appreciation 1yr %.

Median Home Value

$914,300

Higher than 97% of U.S. ZIP codes

HPI Growth 5yr %

39%

Higher than 61% of U.S. ZIP codes

FEMA Risk Score

35.8

Lower than 80% of U.S. ZIP codes

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

Higher than 97%

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

Higher than 69%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

39%

Higher than 61%

Appreciation 1yr %

-1.6%

Higher than 63%

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

Lower than 80%

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 →