21632 ZIP Code — Federalsburg, MD

Caroline County, Maryland

ZIP code 21632 is located in Federalsburg, Maryland, within Caroline County. It covers approximately 77.82 square miles and serves a population of 6,504 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 410/443.

About ZIP code 21632

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $178,800. Owner-occupancy sits near the national average at 60%.

The gap between median ($59,135) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 20% of residents, above the national average. SNAP benefit usage at 22% of households reflects economic stress in the area. 38% 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 32 minutes is near the national average.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 21632 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

6,504

population

77.82

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21632 ZIP code map

Cities in ZIP code 21632

Below are the cities the US Postal Service accepts for ZIP code 21632. Using any city not on this list may result in mail delivery delays.

City	Status
Federalsburg	Preferred

Nearby ZIP codes

21643 Hurlock (6.9 mi) 21655 Preston (7.5 mi) 21629 Denton (9 mi) 21659 Rhodesdale (10.2 mi) 19933 Bridgeville (10.8 mi) 21631 East New Market (12.1 mi) 19950 Greenwood (12.7 mi) 19973 Seaford (12.9 mi) 19931 Bethel (13.5 mi) 21601 Easton (14.6 mi) 21835 Linkwood (14.7 mi) 21673 Trappe (14.8 mi)

Demographics updated 05/2026

Population
Total population	6,504
Population density	84 / sq mi
State FIPS	24
County FIPS	011

Geography
Land area	77.82 sq mi
Water area	0.51 sq mi
Latitude	38.7206
Longitude	-75.7926
Timezone	Eastern (ET)
Area code	410/443

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.1%	40.1%	28.2%
$50k – $100k	31.7%	34.3%	28.2%
$100k – $200k	12.4%	21.3%	30.1%
Over $200k	3.8%	4.3%	13.4%

Demographics & statistics

6,504

Population

People per sq mi

43.1

Median age

$59,135

Median household income

$37,965

Per capita income

$178,800

Median home value

$893

Median monthly rent

59.6%

Home ownership

19.9%

Poverty rate

3.7%

Unemployment

1,958

Housing units

14.6%

Bachelor's or higher

Age distribution

Male Female

177

Under 5

212

195

5–9

233

134

10–14

161

157

15–19

188

157

20–24

188

414

25–34

496

293

35–44

351

362

45–54

433

243

55–59

291

273

60–64

328

342

65–74

409

138

75–84

166

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,271	19.5%
18 and over	5,233	80.5%
65 and over	1,218	18.7%
Median age	43.1 years

Race & ethnicity

White 66.1%

Black or African American 24.7%

Two or more races 6.2%

Hispanic or Latino 2.3%

American Indian / Alaska Native 0.5%

Other race 0.2%

Group	Count	%
White	4,400	66.1%
Black or African American	1,647	24.7%
Two or more races	410	6.2%
Hispanic or Latino	153	2.3%
American Indian / Alaska Native	36	0.5%
Other race	11	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.1%	40.1%	28.2%
$50k – $100k	31.7%	34.3%	28.2%
$100k – $200k	12.4%	21.3%	30.1%
Over $200k	3.8%	4.3%	13.4%

Under $10k 6.4%

$10k–$15k 4.9%

$15k–$25k 12.2%

$25k–$35k 10.2%

$35k–$50k 9.6%

$50k–$75k 20.7%

$75k–$100k 15.6%

$100k–$150k 8.3%

$150k–$200k 4.2%

$200k+ 7.8%

Range	% of households
Under $10k	6.4%
$10k–$15k	4.9%
$15k–$25k	12.2%
$25k–$35k	10.2%
$35k–$50k	9.6%
$50k–$75k	20.7%
$75k–$100k	15.6%
$100k–$150k	8.3%
$150k–$200k	4.2%
$200k+	7.8%
Median income	$59,135

Housing

Home values

Under $50k 8.3%

$50k–$100k 10.2%

$100k–$150k 16.0%

$150k–$200k 19.5%

$200k–$300k 21.6%

$300k–$500k 18.3%

$500k–$1M 5.6%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$178,800
Median rent / month	$893
Owner occupied	59.6%
Renter occupied	40.4%
Vacant	10.6%
Single-family detached	75.1%
Large apartment buildings	0.3%
Mobile homes	8.3%
Median rooms	6.2
Avg household size (owned)	2.39

Year built

Era	%
2020 or later	0.0%
2010–2019	2.5%
2000–2009	10.4%
1990–1999	14.7%
1980–1989	14.4%
1970–1979	14.4%
1960–1969	8.7%
1950–1959	11.4%
1940–1949	4.6%
1939 or earlier	18.9%

Bedrooms

Size	% of units
No bedroom (studio)	2.3%
1 bedroom	7.7%
2 bedrooms	21.6%
3 bedrooms	55.8%
4 bedrooms	9.0%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	10.6%
1 vehicle	32.9%
2 vehicles	31.2%
3 or more	25.3%

Heating fuel

Fuel type	%
Utility gas	1.1%
Electricity	59.1%
Propane / LP gas	16.7%
Fuel oil	19.9%
Wood	1.6%

Households & families

Household type	Count	%
Married-couple family	1,216	44.4%
Cohabiting couple	227	8.3%
Male householder, no spouse	315	11.5%
Female householder, no spouse	980	35.8%
Households with children under 18	733	26.8%
Households with seniors (65+)	920	33.6%
Average household size	2.37

Marital status

Status	Male	Female
Never married	30.0%	31.5%
Married	55.0%	43.1%
Separated	1.8%	1.6%
Widowed	2.9%	12.8%
Divorced	10.3%	11.1%

Education

Less than 9th grade 4.3%

Some HS, no diploma 11.5%

HS graduate 40.0%

Some college, no degree 23.1%

Associate's degree 6.5%

Bachelor's degree 8.5%

Graduate / professional 6.1%

Metric	%
HS diploma or higher	84.2%
Bachelor's or higher	14.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	142	10.2%
Kindergarten	133	9.6%
Elementary school	561	40.3%
High school	175	12.6%
College / grad school	380	27.3%

Employment

Industry of employment

Education & healthcare 23.4%

Retail trade 11.4%

Professional & management 9.1%

Construction 8.9%

Manufacturing 8.7%

Other services 8.1%

Arts, food & hospitality 7.6%

Agriculture & mining 7.5%

Transportation & utilities 7.3%

Finance & real estate 3.2%

Public administration 2.6%

Wholesale trade 2.0%

Information 0.2%

Occupation

Category	%
Management, business & arts	27.5%
Service	23.7%
Sales & office	16.0%
Natural resources & construction	15.7%
Production & transportation	17.2%

Employment type

Type	%
Private sector	77.4%
Government	9.9%
Self-employed	12.5%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	78.6%
Carpool	11.5%
Public transit	1.7%
Walk	1.5%
Work from home	4.8%
Other means	1.8%
Avg commute (minutes)	31.6

Poverty

All people 19.9%

Under 18 years 34.5%

18 and over 16.4%

Married-couple families 7.2%

Female-led households 42.2%

Income support

Source	% of households
Social Security	37.6%
Retirement income	23.2%
Supplemental Security	9.6%
Cash public assistance	4.2%
Food stamps / SNAP	22.3%

Health indicators

Condition	%
Obesity	40.4%
High blood pressure	39.6%
High cholesterol	34.5%
Diabetes	14.1%
Heart disease	7.5%
Stroke	4.2%
Asthma	11.6%
Arthritis	30.4%
Kidney disease	3.6%
Pulmonary disease	9.1%
Cancer	6.8%

Behavior / access	%
Smoking	21.4%
Binge drinking	13.5%
No physical activity	30.2%
Less than 7 hrs sleep	36.6%
Depression	21.8%
Fair or poor health	19.3%
Poor mental health	17.0%
Poor physical health	12.3%
No health insurance	13.5%
Visited doctor (checkup)	79.7%
Visited dentist	54.9%
Cholesterol screening	89.9%
Teeth loss	18.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	449	8.6%

Disability	%
Any disability	19.4%
Under 18	6.1%
18–64 years	17.4%
65 and over	40.1%

Health insurance coverage

Type	%
Private insurance	56.7%
Public insurance	52.8%
No insurance	7.7%
Uninsured under 19	4.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,115	94.0%
Spanish	110	1.8%
Other Indo-European	47	0.8%
Asian & Pacific Islander	63	1.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,232	95.8%
Born in same state	6,219	95.6%
Born in different state	4,479	68.9%
Foreign born	13	0.2%
Naturalized citizen	272	4.2%
Not a US citizen	98	36.0%

Ancestry

Ancestry	Count	%
French	928	14.3%
Arab	605	9.3%
Italian	577	8.9%
English	37	0.6%

Ancestry	Count	%
Polish	29	0.4%
Irish	25	0.4%
German	9	0.1%

Technology access

Metric	% of households
Computer access	42.1%
Internet access	86.2%

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

Frequently asked questions about ZIP code 21632

What city is ZIP code 21632 in?

ZIP code 21632 is primarily assigned to Federalsburg, Maryland.

What county is ZIP code 21632 in?

ZIP code 21632 falls within Caroline County, Maryland.

What is the poverty rate in ZIP code 21632?

20% of residents in ZIP code 21632 live below the poverty line, above the national average.

How educated is the population of ZIP code 21632?

15% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 21632 have a large retiree population?

38% of households in ZIP code 21632 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 21632?

The median home value in ZIP code 21632 is $178,800.

What timezone is ZIP code 21632 in?

ZIP code 21632 observes the EST timezone.