21028 ZIP Code — Churchville, MD

Harford County, Maryland

ZIP code 21028 is located in Churchville, Maryland, within Harford County. It covers approximately 12.86 square miles and serves a population of 2,974 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 443/410/667.

About ZIP code 21028

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 $473,500. Owner-occupancy is high at 86%, well above the national average.

The gap between median ($128,220) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 2% is below the national average. 39% 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 30 minutes is near the national average.

Educational attainment is high — 51% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 15% of civilians, above the national average of 7%.

Overall, ZIP code 21028 reflects a community defined by a highly educated population, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

2,974

population

12.86

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21028 ZIP code map

Cities in ZIP code 21028

Below are the cities the US Postal Service accepts for ZIP code 21028. Using any city not on this list may result in mail delivery delays.

City	Status
Churchville	Preferred

Nearby ZIP codes

21015 Bel Air (3.4 mi) 21078 Havre De Grace (4.6 mi) 21001 Aberdeen (5.1 mi) 21034 Darlington (5.7 mi) 21017 Belcamp (6.3 mi) 21014 Bel Air (6.5 mi) 21009 Abingdon (7 mi) 21918 Conowingo (8.5 mi) 21050 Forest Hill (8.6 mi) 21154 Street (9.3 mi) 21040 Edgewood (9.7 mi) 21904 Port Deposit (9.8 mi)

Demographics updated 05/2026

Population
Total population	2,974
Population density	231 / sq mi
State FIPS	24
County FIPS	025

Geography
Land area	12.86 sq mi
Water area	0.05 sq mi
Latitude	39.5669
Longitude	-76.2363
Timezone	Eastern (ET)
Area code	443/410/667

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.5%	25.4%	28.2%
$50k – $100k	16.1%	28.0%	28.2%
$100k – $200k	37.2%	34.2%	30.1%
Over $200k	20.3%	12.4%	13.4%

Demographics & statistics

2,974

Population

231

People per sq mi

48.6

Median age

$128,220

Median household income

$56,199

Per capita income

$473,500

Median home value

$1,656

Median monthly rent

86.3%

Home ownership

2.1%

Poverty rate

1.0%

Unemployment

993

Housing units

50.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

116

10–14

119

104

15–19

105

125

20–24

128

25–34

156

35–44

159

234

45–54

238

55–59

116

60–64

117

175

65–74

179

141

75–84

144

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	534	18.0%
18 and over	2,440	82.0%
65 and over	691	23.2%
Median age	48.6 years

Race & ethnicity

White 80.1%

Hispanic or Latino 7.1%

Two or more races 6.4%

Asian 3.1%

Other race 2.5%

Black or African American 0.8%

Group	Count	%
White	2,565	80.1%
Hispanic or Latino	228	7.1%
Two or more races	204	6.4%
Asian	98	3.1%
Other race	81	2.5%
Black or African American	26	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.5%	25.4%	28.2%
$50k – $100k	16.1%	28.0%	28.2%
$100k – $200k	37.2%	34.2%	30.1%
Over $200k	20.3%	12.4%	13.4%

Under $10k 0.5%

$10k–$15k 1.2%

$15k–$25k 1.8%

$25k–$35k 6.5%

$35k–$50k 10.6%

$50k–$75k 7.3%

$75k–$100k 8.5%

$100k–$150k 26.0%

$150k–$200k 10.0%

$200k+ 27.6%

Range	% of households
Under $10k	0.5%
$10k–$15k	1.2%
$15k–$25k	1.8%
$25k–$35k	6.5%
$35k–$50k	10.6%
$50k–$75k	7.3%
$75k–$100k	8.5%
$100k–$150k	26.0%
$150k–$200k	10.0%
$200k+	27.6%
Median income	$128,220

Housing

Home values

Under $50k 2.3%

$50k–$100k 4.5%

$100k–$150k 1.1%

$150k–$200k 2.7%

$200k–$300k 7.8%

$300k–$500k 38.4%

$500k–$1M 40.8%

$1M+ 2.5%

Housing overview

Metric	Value
Median home value	$473,500
Median rent / month	$1,656
Owner occupied	86.3%
Renter occupied	13.7%
Vacant	10.3%
Single-family detached	96.5%
Large apartment buildings	0.0%
Mobile homes	0.6%
Median rooms	8.1
Avg household size (owned)	3.14

Year built

Era	%
2020 or later	0.0%
2010–2019	0.6%
2000–2009	13.5%
1990–1999	14.3%
1980–1989	11.7%
1970–1979	20.8%
1960–1969	14.3%
1950–1959	17.1%
1940–1949	0.8%
1939 or earlier	6.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.6%
2 bedrooms	10.2%
3 bedrooms	38.2%
4 bedrooms	40.0%
5+ bedrooms	10.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.6%
1 vehicle	15.1%
2 vehicles	39.5%
3 or more	42.9%

Heating fuel

Fuel type	%
Utility gas	30.0%
Electricity	37.6%
Propane / LP gas	6.1%
Fuel oil	23.4%
Wood	1.5%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	782	77.0%
Cohabiting couple	14	1.4%
Male householder, no spouse	72	7.1%
Female householder, no spouse	147	14.5%
Households with children under 18	286	28.2%
Households with seniors (65+)	446	43.9%
Average household size	2.93

Marital status

Status	Male	Female
Never married	34.4%	18.3%
Married	61.3%	66.1%
Separated	0.5%	0.0%
Widowed	1.8%	5.9%
Divorced	2.0%	9.7%

Education

Less than 9th grade 2.2%

Some HS, no diploma 3.8%

HS graduate 25.0%

Some college, no degree 12.7%

Associate's degree 5.5%

Bachelor's degree 23.3%

Graduate / professional 27.4%

Metric	%
HS diploma or higher	94.0%
Bachelor's or higher	50.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	50	6.2%
Kindergarten	9	1.1%
Elementary school	278	34.7%
High school	200	24.9%
College / grad school	265	33.0%

Employment

Industry of employment

Education & healthcare 23.5%

Professional & management 15.8%

Public administration 13.4%

Manufacturing 10.5%

Construction 8.5%

Retail trade 8.5%

Transportation & utilities 6.9%

Finance & real estate 5.7%

Wholesale trade 2.5%

Other services 1.6%

Agriculture & mining 1.4%

Information 1.1%

Arts, food & hospitality 0.6%

Occupation

Category	%
Management, business & arts	50.5%
Service	14.4%
Sales & office	13.5%
Natural resources & construction	8.7%
Production & transportation	12.9%

Employment type

Type	%
Private sector	70.0%
Government	27.3%
Self-employed	2.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.1%
Carpool	5.9%
Public transit	0.3%
Walk	1.0%
Work from home	19.0%
Other means	0.8%
Avg commute (minutes)	30.2

Poverty

All people 2.1%

Under 18 years 0.0%

18 and over 2.5%

Married-couple families 0.6%

Female-led households 0.0%

Income support

Source	% of households
Social Security	39.2%
Retirement income	34.8%
Supplemental Security	6.0%
Cash public assistance	0.0%
Food stamps / SNAP	2.6%

Health indicators

Condition	%
Obesity	30.8%
High blood pressure	36.1%
High cholesterol	36.3%
Diabetes	9.4%
Heart disease	6.3%
Stroke	2.7%
Asthma	9.2%
Arthritis	25.3%
Kidney disease	2.7%
Pulmonary disease	5.8%
Cancer	7.9%

Behavior / access	%
Smoking	12.5%
Binge drinking	14.7%
No physical activity	18.2%
Less than 7 hrs sleep	29.7%
Depression	17.6%
Fair or poor health	10.2%
Poor mental health	12.1%
Poor physical health	7.9%
No health insurance	7.4%
Visited doctor (checkup)	79.3%
Visited dentist	72.5%
Cholesterol screening	93.8%
Teeth loss	8.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	352	14.6%

Disability	%
Any disability	10.4%
Under 18	2.8%
18–64 years	7.8%
65 and over	22.6%

Health insurance coverage

Type	%
Private insurance	90.2%
Public insurance	27.5%
No insurance	1.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,862	96.2%
Spanish	13	0.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	13	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,876	96.7%
Born in same state	2,790	93.8%
Born in different state	1,720	57.8%
Foreign born	86	2.9%
Naturalized citizen	98	3.3%
Not a US citizen	90	91.8%

Ancestry

Ancestry	Count	%
Italian	519	17.5%
French	444	14.9%
Arab	253	8.5%
Dutch	39	1.3%

Ancestry	Count	%
German	9	0.3%
English	6	0.2%
Irish	4	0.1%
Polish	4	0.1%

Technology access

Metric	% of households
Computer access	34.1%
Internet access	97.1%

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

Frequently asked questions about ZIP code 21028

What city is ZIP code 21028 in?

ZIP code 21028 is primarily assigned to Churchville, Maryland.

What county is ZIP code 21028 in?

ZIP code 21028 falls within Harford County, Maryland.

Is ZIP code 21028 mostly owner-occupied?

86% of occupied units in ZIP code 21028 are owner-occupied, well above the national average.

How educated is the population of ZIP code 21028?

51% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 21028 have a large veteran population?

15% of civilians in ZIP code 21028 are veterans, above the national average of ~7%.

Does ZIP code 21028 have a large retiree population?

39% of households in ZIP code 21028 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 21028 in?

ZIP code 21028 observes the EST timezone.