The basics
Total Population
1,873
Median Age
44.6
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$202,400
Median Property Tax
$1,577
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
2.29
Median Rent
$1,073
Home prices & appreciation
Ranked against U.S. ZIP codes.
Recession Drop %
-39%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
83.9
Winter Avg Low (°F)
31.4
Avg Temperature (°F)
57.8
Hot Days/yr (>90°F)
18.8
Freezing Days/yr (<32°F)
68.9
Annual Precipitation (in)
47.3
Annual Snowfall (in)
8.4
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
96.4
EAL Flood/Coastal per $1K
2.44
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 21838: frequently asked questions
- What is the median home value in ZIP Code 21838?
- The median home value in ZIP Code 21838 is $202,400, near the U.S. ZIP codes median.
- How much is property tax in ZIP Code 21838?
- The median annual property tax in ZIP Code 21838 is $1,577, an effective rate of 1% of home value.
- Is ZIP Code 21838 expensive to live in?
- Homes in ZIP Code 21838 cost about 2.29× the median household income, lower than 69% of U.S. ZIP codes.
- What is the average rent in ZIP Code 21838?
- The median gross rent in ZIP Code 21838 is $1,073 a month, higher than 65% of U.S. ZIP codes.
- What is the weather like in ZIP Code 21838?
- ZIP Code 21838 averages 57.8°F year-round, summer highs near 83.9°F, winter lows around 31.4°F (NOAA 1991–2020 normals). It sees about 8.4 inches of snow a year.
- Is ZIP Code 21838 at risk of flooding or natural disasters?
- ZIP Code 21838's FEMA National Risk Index score is 96.4 (higher than 95% of U.S. ZIP codes). Its greatest modeled natural hazard is flood_coastal. Expected annual loss from flooding is 2.44 per $1,000 of building value.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →