21620 ZIP Code — Chestertown, MD

Kent County, Maryland

ZIP code 21620 is located in Chestertown, Maryland, within Kent County. It covers approximately 118.74 square miles and serves a population of 13,636 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 443/410.

About ZIP code 21620

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $302,000. Owner-occupancy sits near the national average at 69%.

Median household income is $69,842. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

13,636

population

118.74

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21620 ZIP code map

Cities in ZIP code 21620

Below are the cities the US Postal Service accepts for ZIP code 21620. Using any city not on this list may result in mail delivery delays.

City	Status
Chestertown	Preferred

Nearby ZIP codes

21690 Chestertown (1.2 mi) 21623 Church Hill (7.3 mi) 21678 Worton (7.9 mi) 21617 Centreville (9.8 mi) 21661 Rock Hall (10 mi) 21645 Kennedyville (10.4 mi) 21644 Ingleside (11.1 mi) 21651 Millington (11.2 mi) 21668 Sudlersville (11.3 mi) 21610 Betterton (11.3 mi) 21607 Barclay (12.9 mi) 21635 Galena (15.6 mi)

Demographics updated 05/2026

Population
Total population	13,636
Population density	115 / sq mi
State FIPS	24
County FIPS	029

Geography
Land area	118.74 sq mi
Water area	16.77 sq mi
Latitude	39.1932
Longitude	-76.0754
Timezone	Eastern (ET)
Area code	443/410

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	40.6%	28.2%
$50k – $100k	28.1%	29.0%	28.2%
$100k – $200k	23.4%	23.2%	30.1%
Over $200k	6.6%	7.2%	13.4%

Demographics & statistics

13,636

Population

115

People per sq mi

41.2

Median age

$69,842

Median household income

$40,615

Per capita income

$302,000

Median home value

$1,072

Median monthly rent

69.2%

Home ownership

10.1%

Poverty rate

3.5%

Unemployment

4,581

Housing units

45.7%

Bachelor's or higher

Age distribution

Male Female

319

Under 5

337

329

5–9

347

359

10–14

379

618

15–19

652

606

20–24

639

650

25–34

687

678

35–44

716

667

45–54

705

381

55–59

403

369

60–64

389

813

65–74

858

612

75–84

647

232

85+

244

← Male

Female →

Age summary

Group	Count	%
Under 18	2,615	19.2%
18 and over	11,021	80.8%
65 and over	3,406	25.0%
Median age	41.2 years

Race & ethnicity

White 78.5%

Black or African American 12.8%

Two or more races 3.8%

Hispanic or Latino 2.4%

Other race 1.3%

Asian 1.1%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	10,975	78.5%
Black or African American	1,787	12.8%
Two or more races	526	3.8%
Hispanic or Latino	338	2.4%
Other race	177	1.3%
Asian	160	1.1%
Native Hawaiian / Pacific Islander	11	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	40.6%	28.2%
$50k – $100k	28.1%	29.0%	28.2%
$100k – $200k	23.4%	23.2%	30.1%
Over $200k	6.6%	7.2%	13.4%

Under $10k 6.4%

$10k–$15k 3.9%

$15k–$25k 7.1%

$25k–$35k 8.3%

$35k–$50k 14.9%

$50k–$75k 10.3%

$75k–$100k 10.9%

$100k–$150k 18.4%

$150k–$200k 11.2%

$200k+ 8.6%

Range	% of households
Under $10k	6.4%
$10k–$15k	3.9%
$15k–$25k	7.1%
$25k–$35k	8.3%
$35k–$50k	14.9%
$50k–$75k	10.3%
$75k–$100k	10.9%
$100k–$150k	18.4%
$150k–$200k	11.2%
$200k+	8.6%
Median income	$69,842

Housing

Home values

Under $50k 1.2%

$50k–$100k 2.4%

$100k–$150k 4.8%

$150k–$200k 8.2%

$200k–$300k 33.0%

$300k–$500k 33.7%

$500k–$1M 14.0%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$302,000
Median rent / month	$1,072
Owner occupied	69.2%
Renter occupied	30.8%
Vacant	11.2%
Single-family detached	76.2%
Large apartment buildings	4.3%
Mobile homes	2.3%
Median rooms	6.1
Avg household size (owned)	2.23

Year built

Era	%
2020 or later	0.3%
2010–2019	3.8%
2000–2009	14.0%
1990–1999	14.9%
1980–1989	15.1%
1970–1979	16.8%
1960–1969	12.3%
1950–1959	4.9%
1940–1949	3.7%
1939 or earlier	14.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	6.5%
2 bedrooms	18.3%
3 bedrooms	53.4%
4 bedrooms	17.9%
5+ bedrooms	2.7%

Vehicles per household

Vehicles	% of households
No vehicle	6.6%
1 vehicle	36.9%
2 vehicles	38.9%
3 or more	17.6%

Heating fuel

Fuel type	%
Utility gas	0.5%
Electricity	63.9%
Propane / LP gas	17.7%
Fuel oil	15.0%
Wood	1.5%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	2,457	43.9%
Cohabiting couple	246	4.4%
Male householder, no spouse	970	17.3%
Female householder, no spouse	1,923	34.4%
Households with children under 18	1,301	23.2%
Households with seniors (65+)	2,234	39.9%
Average household size	2.18

Marital status

Status	Male	Female
Never married	33.2%	36.3%
Married	47.3%	41.1%
Separated	3.5%	0.9%
Widowed	4.7%	13.1%
Divorced	11.2%	8.6%

Education

Less than 9th grade 2.7%

Some HS, no diploma 5.1%

HS graduate 24.3%

Some college, no degree 16.3%

Associate's degree 5.9%

Bachelor's degree 24.0%

Graduate / professional 21.6%

Metric	%
HS diploma or higher	92.2%
Bachelor's or higher	45.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	255	6.8%
Kindergarten	187	5.0%
Elementary school	1,162	30.9%
High school	592	15.7%
College / grad school	1,564	41.6%

Employment

Industry of employment

Education & healthcare 28.7%

Manufacturing 10.9%

Professional & management 8.9%

Arts, food & hospitality 8.7%

Retail trade 8.2%

Public administration 7.1%

Construction 5.7%

Finance & real estate 5.5%

Agriculture & mining 5.2%

Other services 5.1%

Transportation & utilities 2.6%

Wholesale trade 2.2%

Information 1.2%

Occupation

Category	%
Management, business & arts	45.1%
Service	20.1%
Sales & office	18.2%
Natural resources & construction	7.5%
Production & transportation	9.1%

Employment type

Type	%
Private sector	74.6%
Government	17.6%
Self-employed	7.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	70.0%
Carpool	7.1%
Public transit	0.8%
Walk	10.1%
Work from home	8.6%
Other means	3.3%
Avg commute (minutes)	25.2

Poverty

All people 10.1%

Under 18 years 9.2%

18 and over 10.3%

Married-couple families 0.7%

Female-led households 24.2%

Income support

Source	% of households
Social Security	36.6%
Retirement income	32.1%
Supplemental Security	5.1%
Cash public assistance	3.0%
Food stamps / SNAP	13.1%

Health indicators

Condition	%
Obesity	30.1%
High blood pressure	37.2%
High cholesterol	33.3%
Diabetes	11.0%
Heart disease	7.1%
Stroke	3.4%
Asthma	10.3%
Arthritis	27.4%
Kidney disease	3.2%
Pulmonary disease	6.8%
Cancer	7.9%

Behavior / access	%
Smoking	14.2%
Binge drinking	14.4%
No physical activity	21.7%
Less than 7 hrs sleep	32.6%
Depression	18.7%
Fair or poor health	12.8%
Poor mental health	13.9%
Poor physical health	9.2%
No health insurance	10.0%
Visited doctor (checkup)	76.9%
Visited dentist	66.9%
Cholesterol screening	91.4%
Teeth loss	11.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	926	8.4%

Disability	%
Any disability	13.3%
Under 18	7.4%
18–64 years	9.6%
65 and over	26.5%

Health insurance coverage

Type	%
Private insurance	74.2%
Public insurance	41.6%
No insurance	4.5%
Uninsured under 19	7.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,980	95.2%
Spanish	151	1.2%
Other Indo-European	42	0.3%
Asian & Pacific Islander	76	0.6%
Other languages	33	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	13,151	96.4%
Born in same state	13,064	95.8%
Born in different state	7,749	56.8%
Foreign born	87	0.6%
Naturalized citizen	485	3.6%
Not a US citizen	220	45.4%

Ancestry

Ancestry	Count	%
French	2,354	17.3%
Italian	1,712	12.6%
Arab	862	6.3%
Irish	149	1.1%
English	142	1%

Ancestry	Count	%
German	60	0.4%
Norwegian	55	0.4%
Polish	46	0.3%
Dutch	12	0.1%

Technology access

Metric	% of households
Computer access	41.0%
Internet access	92.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 21620

What city is ZIP code 21620 in?

ZIP code 21620 is primarily assigned to Chestertown, Maryland.

What county is ZIP code 21620 in?

ZIP code 21620 falls within Kent County, Maryland.

How educated is the population of ZIP code 21620?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 21620 have a large retiree population?

37% of households in ZIP code 21620 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 21620?

ZIP code 21620 has an estimated population of 13,636 residents, with a density of 115 people per square mile.

What is the typical home value in ZIP code 21620?

The median home value in ZIP code 21620 is $302,000.

What timezone is ZIP code 21620 in?

ZIP code 21620 observes the EST timezone.