21654 Zip Code (Oxford, MD) Detailed Profile

Estimated zip code population in 2022: 1,260
Zip code population in 2010: 1,236
Zip code population in 2000: 1,457

Houses and condos: 957
Renter-occupied apartments: 104
March 2022 cost of living index in zip code 21654: 99.4 (near average, U.S. average is 100)

Land area: 11.0 sq. mi.
Water area: 3.8 sq. mi.

Population density: 115 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $3,800 (0.5%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $4,502 (0.5%)

For population 25 years and over in 21654:

• High school or higher: 98.4%
• Bachelor's degree or higher: 72.7%
• Graduate or professional degree: 38.6%
• Unemployed: 6.9%
• Mean travel time to work (commute): 42.0 minutes

For population 15 years and over in 21654:

• Never married: 16.6%
• Now married: 55.5%
• Separated: 0.2%
• Widowed: 9.9%
• Divorced: 17.8%

• 
• • 1,08386.0%White
  • 13410.6%Hispanic or Latino
  • 383.0%Black
  • 30.2%Asian
  • 20.2%Two or more races

100% rural population.

Averages for the 2020 tax year for zip code 21654, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $198,086 (Individual Income Tax Returns)

Here:	$198,086
State:	$86,905

Salary/wage: $127,124 (reported on 52.4% of returns)

Here:	$127,124
State:	$73,953

(% of AGI for various income ranges: 1492.0% for AGIs below $25k, 4330.0% for AGIs $25k-50k, 4408.0% for AGIs $50k-75k, 7640.0% for AGIs $75k-100k, 10924.0% for AGIs $100k-200k, 151395.0% for AGIs over 200k)

Taxable interest for individuals: $6,255 (reported on 63.5% of returns)

This zip code:	$6,255
Maryland:	$1,528

(% of AGI for various income ranges: 48.0% for AGIs below $25k, 20.0% for AGIs $25k-50k, 108.0% for AGIs $50k-75k, 510.0% for AGIs $75k-100k, 514.0% for AGIs $100k-200k, 10285.0% for AGIs over 200k)

Ordinary dividends: $25,010 (reported on 61.9% of returns)

Here:	$25,010
State:	$8,028

(% of AGI for various income ranges: 382.0% for AGIs below $25k, 815.0% for AGIs $25k-50k, 558.0% for AGIs $50k-75k, 3965.0% for AGIs $75k-100k, 4076.0% for AGIs $100k-200k, 30635.0% for AGIs over 200k)

Net capital gain/loss in AGI: +$54,026 (reported on 55.6% of returns)

Here:	+$54,026
State:	+$25,238

(% of AGI for various income ranges: 46.0% for AGIs below $25k, 190.0% for AGIs $25k-50k, 248.0% for AGIs $50k-75k, 1550.0% for AGIs $75k-100k, 2470.0% for AGIs $100k-200k, 85705.0% for AGIs over 200k)

Profit/loss from business: +$34,553 (reported on 27.0% of returns)

Here:	+$34,553
State:	+$11,398

(% of AGI for various income ranges: 698.0% for AGIs below $25k, 852.0% for AGIs $50k-75k, 1302.0% for AGIs $100k-200k, 22240.0% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $37,239 (reported on 28.6% of returns)

21654:	$37,239
Maryland:	$20,944

(% of AGI for various income ranges: 540.0% for AGIs below $25k, 1334.0% for AGIs $50k-75k, 6200.0% for AGIs $100k-200k, 13330.0% for AGIs over 200k)

Total itemized deductions: $53,400 (reported on 31.7% of returns)

Here:	$53,400
State:	$30,672

(% of AGI for various income ranges: 2197.5% for AGIs $25k-50k, 4530.0% for AGIs $75k-100k, 3790.0% for AGIs $100k-200k, 35000.0% for AGIs over 200k)

Charity contributions: $23,272 (reported on 28.6% of returns)

Here:	$23,272
State:	$9,065

(% of AGI for various income ranges: 658.0% for AGIs $50k-75k, 576.0% for AGIs $100k-200k, 17860.0% for AGIs over 200k)

Taxes paid: $8,810 (reported on 31.7% of returns)

21654:	$8,810
State:	$8,475

(% of AGI for various income ranges: 430.0% for AGIs $25k-50k, 905.0% for AGIs $75k-100k, 1012.0% for AGIs $100k-200k, 4515.0% for AGIs over 200k)

Percentage of individuals using paid preparers for their 2020 taxes: 90.5%

Here:	90%
State:	90%

(% for various income ranges: 91.7% for AGIs below $25k, 100.0% for AGIs $25k-50k, 87.5% for AGIs $50k-75k, 83.3% for AGIs $75k-100k, 85.7% for AGIs $100k-200k, 93.3% for AGIs over 200k)

Averages for the 2012 tax year for zip code 21654, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $143,514 (Individual Income Tax Returns)

Here:	$143,514
State:	$72,703

Salary/wage: $89,628 (reported on 61.5% of returns)

Here:	$89,628
State:	$62,228

(% of AGI for various income ranges: 55.4% for AGIs below $25k, 61.1% for AGIs $25k-50k, 50.2% for AGIs $50k-75k, 32.3% for AGIs $75k-100k, 34.9% for AGIs $100k-200k, 37.3% for AGIs over 200k)

Taxable interest for individuals: $4,251 (reported on 69.2% of returns)

This zip code:	$4,251
Maryland:	$1,413

(% of AGI for various income ranges: 2.2% for AGIs below $25k, 1.9% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 3.4% for AGIs $100k-200k, 1.8% for AGIs over 200k)

Ordinary dividends: $25,287 (reported on 58.5% of returns)

Here:	$25,287
State:	$6,933

(% of AGI for various income ranges: 12.3% for AGIs below $25k, 6.3% for AGIs $25k-50k, 4.7% for AGIs $50k-75k, 12.5% for AGIs $75k-100k, 10.2% for AGIs $100k-200k, 10.7% for AGIs over 200k)

Net capital gain/loss in AGI: +$25,779 (reported on 52.3% of returns)

Here:	+$25,779
State:	+$14,830

(% of AGI for various income ranges: 0.8% for AGIs $75k-100k, 3.7% for AGIs $100k-200k, 13.7% for AGIs over 200k)

Profit/loss from business: +$39,613 (reported on 23.1% of returns)

Here:	+$39,613
State:	+$12,606

(% of AGI for various income ranges: 28.2% for AGIs below $25k, 8.2% for AGIs $50k-75k, 3.2% for AGIs $100k-200k, 7.7% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $44,255 (reported on 30.8% of returns)

21654:	$44,255
Maryland:	$17,065

(% of AGI for various income ranges: 12.2% for AGIs below $25k, 7.5% for AGIs $50k-75k, 12.6% for AGIs $75k-100k, 15.1% for AGIs $100k-200k, 8.2% for AGIs over 200k)

Self-employment retirement plans: $20,800 (reported on 3.1% of returns)

21654:	$20,800
Maryland:	$24,439

Total itemized deductions: $44,574 (20% of AGI, reported on 60.0% of returns)

Here:	$44,574
State:	$27,886

Here:	20.4% of AGI
State:	22.8% of AGI

(% of AGI for various income ranges: 24.2% for AGIs $25k-50k, 21.2% for AGIs $50k-75k, 19.6% for AGIs $75k-100k, 21.7% for AGIs $100k-200k, 17.5% for AGIs over 200k)

Charity contributions: $10,309 (reported on 53.8% of returns)

Here:	$10,309
State:	$4,452

(% of AGI for various income ranges: 2.7% for AGIs $25k-50k, 2.7% for AGIs $50k-75k, 3.5% for AGIs $75k-100k, 3.5% for AGIs $100k-200k, 4.3% for AGIs over 200k)

Taxes paid: $18,190 (reported on 60.0% of returns)

21654:	$18,190
State:	$11,690

(% of AGI for various income ranges: 5.8% for AGIs $25k-50k, 5.5% for AGIs $50k-75k, 7.1% for AGIs $75k-100k, 8.1% for AGIs $100k-200k, 8.0% for AGIs over 200k)

Earned income credit: $1,650 (reported on 6.2% of returns)

Here:	$1,650
State:	$2,199

(% of AGI for various income ranges: 4.4% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2012 taxes: 66.2%

Here:	66%
State:	52%

(% for various income ranges: 53.3% for AGIs below $25k, 50.0% for AGIs $25k-50k, 62.5% for AGIs $50k-75k, 62.5% for AGIs $75k-100k, 76.9% for AGIs $100k-200k, 90.9% for AGIs over 200k)

Averages for the 2004 tax year for zip code 21654, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $140,093 (Individual Income Tax Returns)

Here:	$140,093
State:	$60,339

Salary/wage: $78,044 (reported on 63.0% of returns)

Here:	$78,044
State:	$52,211

(% of AGI for various income ranges: 98.7% for AGIs below $10k, 49.3% for AGIs $10k-25k, 56.8% for AGIs $25k-50k, 46.9% for AGIs $50k-75k, 43.1% for AGIs $75k-100k, 32.0% for AGIs over 100k)

Taxable interest for individuals: $5,834 (reported on 78.0% of returns)

This zip code:	$5,834
Maryland:	$1,701

(% of AGI for various income ranges: 15.5% for AGIs below $10k, 6.1% for AGIs $10k-25k, 2.7% for AGIs $25k-50k, 4.5% for AGIs $50k-75k, 2.9% for AGIs $75k-100k, 3.1% for AGIs over 100k)

Taxable dividends: $22,255 (reported on 63.9% of returns)

Here:	$22,255
State:	$4,235

(% of AGI for various income ranges: 20.1% for AGIs below $10k, 13.7% for AGIs $10k-25k, 4.9% for AGIs $25k-50k, 7.5% for AGIs $50k-75k, 10.5% for AGIs $75k-100k, 10.5% for AGIs over 100k)

Net capital gain/loss: +$54,466 (reported on 55.6% of returns)

Here:	+$54,466
State:	+$15,888

(% of AGI for various income ranges: -9.2% for AGIs below $10k, 2.1% for AGIs $10k-25k, 3.0% for AGIs $25k-50k, 8.5% for AGIs $50k-75k, 11.9% for AGIs $75k-100k, 24.7% for AGIs over 100k)

Profit/loss from business: +$35,101 (reported on 20.8% of returns)

Here:	+$35,101
State:	+$12,221

(% of AGI for various income ranges: 13.0% for AGIs below $10k, 16.1% for AGIs $10k-25k, 4.8% for AGIs $25k-50k, 4.0% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 5.2% for AGIs over 100k)

IRA payment deduction: $3,279 (reported on 6.0% of returns)

21654:	$3,279
Maryland:	$2,968

(% of AGI for various income ranges: 3.3% for AGIs $10k-25k, 0.6% for AGIs $50k-75k, 0.1% for AGIs over 100k)

Self-employed pension: $25,667 (reported on 3.8% of returns)

Here:	$25,667
Maryland:	$17,155

Total itemized deductions: $38,028 (17% of AGI, reported on 58.8% of returns)

Here:	$38,028
State:	$22,960

Here:	17.4% of AGI
State:	23.3% of AGI

(% of AGI for various income ranges: 26.9% for AGIs $10k-25k, 19.5% for AGIs $25k-50k, 22.9% for AGIs $50k-75k, 20.8% for AGIs $75k-100k, 14.8% for AGIs over 100k)

Charity contributions deductions: $9,786 (4% of AGI, reported on 53.3% of returns)

Here:	$9,786
State:	$4,031

Here:	4.2% of AGI
State:	3.9% of AGI

(% of AGI for various income ranges: 2.7% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 2.7% for AGIs $50k-75k, 3.0% for AGIs $75k-100k, 4.0% for AGIs over 100k)

Total tax: $29,998 (reported on 84.5% of returns)

21654:	$29,998
State:	$10,167

(% of AGI for various income ranges: 2.9% for AGIs below $10k, 5.8% for AGIs $10k-25k, 7.5% for AGIs $25k-50k, 9.2% for AGIs $50k-75k, 10.3% for AGIs $75k-100k, 20.1% for AGIs over 100k)

Earned income credit: $1,250 (reported on 3.9% of returns)

Here:	$1,250
State:	$1,700

Percentage of individuals using paid preparers for their 2004 taxes: 73.5%

Here:	74%
State:	55%

(% for various income ranges: 67.3% for AGIs below $10k, 68.0% for AGIs $10k-25k, 69.6% for AGIs $25k-50k, 64.5% for AGIs $50k-75k, 77.6% for AGIs $75k-100k, 84.0% for AGIs over 100k)

Nearest zip codes: 21653, 21662, 21673, 21601, 21663, 21652.
No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 16
Household did not receive Food Stamps/SNAP in the past 12 months: 635

Women who did not have a birth in the past 12 months: 163 (24 now married, 138 unmarried)

Housing units in zip code 21654 with a mortgage: 374 (37 second mortgage, 38 both second mortgage and home equity loan)
Houses without a mortgage: 3

Median monthly owner costs for units with a mortgage: $2,219
Median monthly owner costs for units without a mortgage: $940

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 21654 household income distribution in 2022

• 40Less than $10,000
• 4$10,000 to $14,999
• 5$15,000 to $19,999
• 8$20,000 to $24,999
• 12$25,000 to $29,999
• 25$30,000 to $34,999
• 10$35,000 to $39,999
• 94$40,000 to $44,999
• 15$45,000 to $49,999
• 28$50,000 to $59,999
• 53$60,000 to $74,999
• 171$75,000 to $99,999
• 52$100,000 to $124,999
• 27$125,000 to $149,999
• 40$150,000 to $199,999
• 85$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 21654

• 2$20,000 to $24,999
• 6$40,000 to $49,999
• 1$100,000 to $124,999
• 6$250,000 to $299,999
• 45$300,000 to $399,999
• 41$400,000 to $499,999
• 169$500,000 to $749,999
• 126$750,000 to $999,999
• 127$1,000,000 to $1,499,999
• 19$1,500,000 to $1,999,999
• 54$2,000,000 or more

• Rent paid by renters in 2022 in zip code 21654

• 3$600 to $649
• 1$650 to $699
• 43$900 to $999
• 8$1,000 to $1,249
• 2$1,250 to $1,499
• 21$2,000 to $2,499
• 27No cash rent

Median gross rent in 2022: $1,179.

Median price asked for vacant for-sale houses and condos in 2022: $1,899,989.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $891,643
• Black or African American householders: $285,471
• Two or more races householders: $652,358
• Hispanic or Latino householders: $587,122

Estimated median house or condo value in 2022: $836,062 Lower value quartile - upper value quartile: $585,550 - $1,373,477

Mean price in 2022:

Detached houses: $779,799

Here:	$779,799
State:	$526,819

Housing units in structures:

• One, detached: 869
• One, attached: 31
• Two: 7
• 3 or 4: 30
• 5 to 9: 11

Unemployment: 6.9%

• Means of transportation to work in zip code 21654

• 63.0%295Drove a car alone
• 5.3%25Carpooled
• 1.9%9Bicycle
• 4.7%22Walked
• 28.2%132Worked at home

• Travel time to work (commute) in zip code 21654

• 28Less than 5 minutes
• 95 to 9 minutes
• 1810 to 14 minutes
• 3315 to 19 minutes
• 4420 to 24 minutes
• 6825 to 29 minutes
• 1730 to 34 minutes
• 135 to 39 minutes
• 1140 to 44 minutes
• 445 to 59 minutes
• 360 to 89 minutes
• 10590 or more minutes

Percentage of zip code residents living and working in this county: 75.2%

Household type by relationship:

Households: 1,260

• Male householders: 376 (48 living alone), Female householders: 283 (103 living alone)

• 301 spouses (301 opposite-sex spouses), 20 unmarried partners, (20 opposite-sex unmarried partners), 216 children (216 natural, 0 adopted, 0 stepchildren), 0 grandchildren, 3 brothers or sisters, 11 parents, 0 foster children, 0 other relatives, 59 non-relatives

Size of family households: 380 2-persons, 61 3-persons, 16 4-persons, 4 5-persons

Size of nonfamily households: 150 1-person, 40 2-persons, 9 3-persons

39 married couples with children.
43 single-parent households (16 men, 27 women).

93.2% of residents of 21654 zip code speak English at home.
6.9% of residents speak Spanish at home (90% very well, 10% well).
0.6% of residents speak other Indo-European language at home (88% very well, 12% not well).
0.2% of residents speak Asian or Pacific Island language at home (100% very well).

Facilities with environmental interests located in this zip code:

• CAMPBELL S BACHELOR & YACHT CO LLC (26106 UNT A BACHELOR HARBOR DR in OXFORD, MD)

  STATE MASTER (Maryland Permits tracking) - National Pollutant Discharge Elimination System Permit
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
  Business SIC classification: MARINAS
  Organizations: BPH MARINA LLC (CONTACT/OWNER)
  Alternative names: BACHELOR POINT HARBOR, CAMPBELL'S BACHELOR & YACHT CO LLC, CAMPBELL'S BACHELOR PT.YACHT C, CAMPBELL'S BACHELORS PT.CO.LLC

• OXFORD BOATYARD (402 EAST STRAND in OXFORD, MD)

  STATE MASTER (Maryland Permits tracking) - National Pollutant Discharge Elimination System Permit
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
  Business SIC classification: MARINAS
  Organizations: OPERNAME (CONTACT/OPERATOR) , PYLE, DAVID (CONTACT/OWNER)
  Alternative names: OXFORD BOAT YARD

• BATES MARINE (106 RICHARDSON STREET in OXFORD, MD)

  STATE MASTER (Maryland Permits tracking) - National Pollutant Discharge Elimination System Permit
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: MARINAS
  

• OXFORD WWTP (103 J.L. THOMPSON DRIVE in OXFORD, MD)

  STATE MASTER (Maryland Permits tracking) - NPDES NON-MAJOR
  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: SEWERAGE SYSTEMS
  Alternative names: OXFORD, COMMISSIONERS OF, OXFORD WASTEWATER TREATMENT PLANT

• OXFORD ELEMENTARY SCHOOL (ROUTE 333 in OXFORD, MD)

  AIR MINOR (AIRS/AFS)
  Business SIC classification: ELEMENTARY AND SECONDARY SCHOOLS
  

Housing units lacking complete plumbing facilities: 3.2%
Housing units lacking complete kitchen facilities: 3.7%

Population in 1990: 1,350. Population change in the 1990s: +107 (+7.9%).

Place of birth for U.S.-born residents:

• This state: 244
• Northeast: 550
• Midwest: 92
• South: 301
• West: 20

58% of the 21654 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 46% lived in this county.
   Out of people who lived in different counties, 50% lived in Maryland.

94% of the 21654 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 68% moved from this county.
   Out of people who lived in different houses, 3% moved from different county within same state.
   Out of people who lived in different houses, 27% moved from different state.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 18
Students in private schools in grades 9 to 12 (high school): 19 Students in private undergraduate colleges:

Top industries in this zip code by the number of employees in 2005:

• Other Services (except Public Administration): Other Personal and Household Goods Repair and Maintenance (50-99 employees: 1 establishment, 20-49 employees: 2 establishments, 1-4 employees: 2 establishments)
• Construction: Plumbing, Heating, and Air-Conditioning Contractors (20-49: 1, 5-9: 1)
• Accommodation and Food Services: Full-Service Restaurants (20-49: 1, 1-4: 1)
• Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (20-49: 1, 1-4: 1)
• Administrative and Support and Waste Management and Remediation Services: Landscaping Services (20-49: 1)
• Other Services (except Public Administration): Pet Care (except Veterinary) Services (10-19: 1)
• Arts, Entertainment, and Recreation: All Other Amusement and Recreation Industries (10-19: 1)
• Other Services (except Public Administration): Grantmaking Foundations (5-9: 1, 1-4: 1)
• Construction: Residential Remodelers (5-9: 1, 1-4: 1)

2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents

According to the data from the years 2002 - 2018 the average number of fires per year is 8. The highest number of reported fire incidents - 14 took place in 2007, and the least - 2 in 2003. The data has a decreasing trend.
When looking into fire subcategories, the most incidents belonged to: Structure Fires (58.8%), and Outside Fires (22.9%).


• Fire incident types reported to NFIRS in Zip Code 21654
• 7758.8%Structure Fires
• 3022.9%Outside Fires
• 1511.5%Mobile Property/Vehicle Fires
• 96.9%Other

See full 2006 National Fire Incident Reporting System statistics for zip code 21654, Maryland

Most common first names in zip code 21654 among deceased individuals
Name	Count	Lived (average)
John	29	78.1 years
William	28	77.9 years
James	22	77.7 years
Mary	18	82.3 years
Robert	17	77.9 years
Margaret	14	82.8 years
Edward	11	82.8 years
Charles	11	70.2 years
Thomas	10	77.8 years
Dorothy	10	74.1 years

Most common last names in zip code 21654 among deceased individuals
Last name	Count	Lived (average)
Smith	7	78.6 years
Green	7	79.7 years
Wilson	6	82.1 years
Russell	6	80.5 years
Bailey	6	81.1 years
Taylor	6	83.3 years
Loscomb	6	76.7 years
Brown	5	82.4 years
Kelly	5	83.0 years
Sinclair	5	75.4 years