21048 ZIP Code — Finksburg, MD

Carroll County, Maryland

ZIP code 21048 is located in Finksburg, Maryland, within Carroll County. It covers approximately 27.26 square miles and serves a population of 9,759 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 443.

About ZIP code 21048

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 $414,000. Owner-occupancy is high at 93%, well above the national average.

Median household income is $125,098. The poverty rate of 2% is below the national average. 35% 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. An above-average commute of 40 minutes suggests many residents work outside the immediate area.

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

Overall, ZIP code 21048 reflects a community defined by high homeownership and a significant Social Security-dependent population.

9,759

population

27.26

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21048 ZIP code map

Cities in ZIP code 21048

Below are the cities the US Postal Service accepts for ZIP code 21048. Using any city not on this list may result in mail delivery delays.

City	Status
Finksburg	Acceptable
Finksburg	Preferred

Nearby ZIP codes

21136 Reisterstown (6 mi) 21136 Reisterstown (6 mi) 21157 Westminster (6.1 mi) 21784 Sykesville (7.5 mi) 21117 Owings Mills (7.5 mi) 21155 Upperco (7.8 mi) 21074 Hampstead (9 mi) 21133 Randallstown (9.6 mi) 21104 Marriottsville (10.3 mi) 21776 New Windsor (10.4 mi) 21163 Woodstock (10.9 mi) 21158 Westminster (11.7 mi)

Demographics updated 05/2026

Population
Total population	9,759
Population density	358 / sq mi
State FIPS	24
County FIPS	013

Geography
Land area	27.26 sq mi
Water area	1.39 sq mi
Latitude	39.4916
Longitude	-76.9114
Timezone	Eastern (ET)
Area code	443

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.8%	23.8%	28.2%
$50k – $100k	21.0%	26.3%	28.2%
$100k – $200k	39.8%	37.1%	30.1%
Over $200k	18.4%	12.8%	13.4%

Demographics & statistics

9,759

Population

358

People per sq mi

46.8

Median age

$125,098

Median household income

$55,662

Per capita income

$414,000

Median home value

$1,185

Median monthly rent

92.7%

Home ownership

2.4%

Poverty rate

2.9%

Unemployment

3,454

Housing units

46.1%

Bachelor's or higher

Age distribution

Male Female

254

Under 5

231

273

5–9

248

10–14

224

498

15–19

452

175

20–24

159

551

25–34

499

493

35–44

446

652

45–54

591

522

55–59

473

524

60–64

474

507

65–74

460

278

75–84

252

144

85+

131

← Male

Female →

Age summary

Group	Count	%
Under 18	1,947	20.0%
18 and over	7,812	80.0%
65 and over	1,772	18.2%
Median age	46.8 years

Race & ethnicity

White 86.5%

Two or more races 4.2%

Asian 3.5%

Black or African American 3%

Hispanic or Latino 2.6%

Other race 0.2%

Group	Count	%
White	8,663	86.5%
Two or more races	418	4.2%
Asian	350	3.5%
Black or African American	305	3%
Hispanic or Latino	260	2.6%
Other race	23	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.8%	23.8%	28.2%
$50k – $100k	21.0%	26.3%	28.2%
$100k – $200k	39.8%	37.1%	30.1%
Over $200k	18.4%	12.8%	13.4%

Under $10k 1.0%

$10k–$15k 0.4%

$15k–$25k 5.1%

$25k–$35k 4.8%

$35k–$50k 7.0%

$50k–$75k 8.5%

$75k–$100k 10.4%

$100k–$150k 22.5%

$150k–$200k 19.6%

$200k+ 20.6%

Range	% of households
Under $10k	1.0%
$10k–$15k	0.4%
$15k–$25k	5.1%
$25k–$35k	4.8%
$35k–$50k	7.0%
$50k–$75k	8.5%
$75k–$100k	10.4%
$100k–$150k	22.5%
$150k–$200k	19.6%
$200k+	20.6%
Median income	$125,098

Housing

Home values

Under $50k 2.8%

$50k–$100k 1.6%

$100k–$150k 0.7%

$150k–$200k 0.6%

$200k–$300k 9.9%

$300k–$500k 54.7%

$500k–$1M 27.9%

$1M+ 1.9%

Housing overview

Metric	Value
Median home value	$414,000
Median rent / month	$1,185
Owner occupied	92.7%
Renter occupied	7.3%
Vacant	3.1%
Single-family detached	91.1%
Large apartment buildings	0.4%
Mobile homes	5.3%
Median rooms	7.8
Avg household size (owned)	2.76

Year built

Era	%
2020 or later	0.3%
2010–2019	2.7%
2000–2009	10.0%
1990–1999	18.5%
1980–1989	20.0%
1970–1979	21.3%
1960–1969	8.8%
1950–1959	6.5%
1940–1949	2.5%
1939 or earlier	9.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	2.3%
2 bedrooms	11.4%
3 bedrooms	35.8%
4 bedrooms	39.4%
5+ bedrooms	10.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.1%
1 vehicle	15.2%
2 vehicles	44.4%
3 or more	38.3%

Heating fuel

Fuel type	%
Utility gas	17.5%
Electricity	47.7%
Propane / LP gas	3.7%
Fuel oil	23.7%
Wood	5.9%
Solar	0.2%

Households & families

Household type	Count	%
Married-couple family	2,472	68.7%
Cohabiting couple	205	5.7%
Male householder, no spouse	426	11.8%
Female householder, no spouse	496	13.8%
Households with children under 18	1,193	33.1%
Households with seniors (65+)	1,213	33.7%
Average household size	2.71

Marital status

Status	Male	Female
Never married	27.7%	16.3%
Married	62.8%	64.2%
Separated	0.7%	1.6%
Widowed	3.8%	10.1%
Divorced	5.0%	7.8%

Education

Less than 9th grade 1.4%

Some HS, no diploma 2.2%

HS graduate 26.9%

Some college, no degree 15.5%

Associate's degree 7.9%

Bachelor's degree 29.4%

Graduate / professional 16.7%

Metric	%
HS diploma or higher	96.4%
Bachelor's or higher	46.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	117	5.1%
Kindergarten	150	6.6%
Elementary school	714	31.3%
High school	681	29.9%
College / grad school	616	27.0%

Employment

Industry of employment

Education & healthcare 23.1%

Professional & management 12.5%

Public administration 10.7%

Finance & real estate 9.3%

Manufacturing 9.0%

Retail trade 8.5%

Construction 7.2%

Arts, food & hospitality 6.7%

Other services 6.7%

Transportation & utilities 2.5%

Wholesale trade 1.8%

Information 1.3%

Agriculture & mining 0.5%

Occupation

Category	%
Management, business & arts	57.3%
Service	9.2%
Sales & office	21.5%
Natural resources & construction	8.1%
Production & transportation	3.9%

Employment type

Type	%
Private sector	78.0%
Government	16.6%
Self-employed	5.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.5%
Carpool	6.5%
Public transit	0.6%
Walk	0.0%
Work from home	19.2%
Other means	1.2%
Avg commute (minutes)	40.0

Poverty

All people 2.4%

Under 18 years 0.0%

18 and over 3.0%

Married-couple families 1.7%

Female-led households 0.0%

Income support

Source	% of households
Social Security	35.0%
Retirement income	32.2%
Supplemental Security	3.0%
Cash public assistance	0.3%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	29.9%
High blood pressure	33.1%
High cholesterol	36.2%
Diabetes	8.8%
Heart disease	5.4%
Stroke	2.4%
Asthma	8.9%
Arthritis	25.3%
Kidney disease	2.5%
Pulmonary disease	5.3%
Cancer	7.5%

Behavior / access	%
Smoking	12.9%
Binge drinking	15.8%
No physical activity	17.2%
Less than 7 hrs sleep	26.7%
Depression	17.6%
Fair or poor health	9.7%
Poor mental health	12.3%
Poor physical health	7.8%
No health insurance	7.2%
Visited doctor (checkup)	78.0%
Visited dentist	72.2%
Cholesterol screening	93.8%
Teeth loss	7.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	627	8.1%

Disability	%
Any disability	11.3%
Under 18	0.7%
18–64 years	8.5%
65 and over	32.7%

Health insurance coverage

Type	%
Private insurance	88.4%
Public insurance	25.6%
No insurance	0.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,274	95.0%
Spanish	118	1.3%
Other Indo-European	17	0.2%
Asian & Pacific Islander	56	0.6%
Other languages	45	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,338	95.7%
Born in same state	9,317	95.5%
Born in different state	6,775	69.4%
Foreign born	21	0.2%
Naturalized citizen	421	4.3%
Not a US citizen	215	51.1%

Ancestry

Ancestry	Count	%
Italian	1,629	16.7%
French	1,273	13%
Arab	993	10.2%
Polish	143	1.5%
German	106	1.1%

Ancestry	Count	%
English	50	0.5%
Irish	35	0.4%
Norwegian	15	0.2%
Dutch	12	0.1%

Technology access

Metric	% of households
Computer access	36.9%
Internet access	96.5%

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

Frequently asked questions about ZIP code 21048

What city is ZIP code 21048 in?

ZIP code 21048 is primarily assigned to Finksburg, Maryland.

What county is ZIP code 21048 in?

ZIP code 21048 falls within Carroll County, Maryland.

Is ZIP code 21048 mostly owner-occupied?

93% of occupied units in ZIP code 21048 are owner-occupied, well above the national average.

How educated is the population of ZIP code 21048?

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

What is the median household income in ZIP code 21048?

The median household income in ZIP code 21048 is $125,098, above the national median of ~$75,000.

What is the typical home value in ZIP code 21048?

The median home value in ZIP code 21048 is $414,000.

What timezone is ZIP code 21048 in?

ZIP code 21048 observes the EST timezone.