21640 ZIP Code — Henderson, MD

Caroline County, Maryland

ZIP code 21640 is located in Henderson, Maryland, within Caroline County. It covers approximately 25.66 square miles and serves a population of 1,374 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 410/667.

About ZIP code 21640

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $261,100. Owner-occupancy is high at 96%, well above the national average.

Median household income is $77,721. The poverty rate of 5% is below the national average. SNAP benefit usage at 18% of households reflects economic stress in the area. 50% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with agriculture and mining as the leading industry. The average commute of 31 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks. 20% of residents lack health insurance, above the national average.

Notable community characteristics include Spanish spoken in 26% of households.

Overall, ZIP code 21640 reflects a community defined by a trades-oriented workforce, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,374
population
25.66
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
21640 ZIP code map
Cities in ZIP code 21640

Below are the cities the US Postal Service accepts for ZIP code 21640. Using any city not on this list may result in mail delivery delays.

City Status
Henderson Preferred
Nearby ZIP codes
21636 Goldsboro (3.5 mi) 21607 Barclay (4.7 mi) 21649 Marydel (5 mi) 21644 Ingleside (5.3 mi) 21639 Greensboro (7.3 mi) 21668 Sudlersville (8 mi) 21660 Ridgely (8.3 mi) 19953 Hartly (9 mi) 21623 Church Hill (9 mi) 19934 Camden Wyoming (10.9 mi) 21617 Centreville (11.2 mi) 21657 Queen Anne (11.8 mi)
Demographics updated 05/2026
Population
Total population 1,374
Population density 54 / sq mi
State FIPS 24
County FIPS 011
Geography
Land area 25.66 sq mi
Water area 0.08 sq mi
Latitude 39.0693
Longitude -75.8160
Timezone Eastern (ET)
Area code 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 32.6% 40.1% 28.2%
$50k – $100k 43.7% 34.3% 28.2%
$100k – $200k 23.7% 21.3% 30.1%
Over $200k 0.0% 4.3% 13.4%

Demographics & statistics

1,374
Population
54
People per sq mi
39.3
Median age
$77,721
Median household income
$27,976
Per capita income
$261,100
Median home value
$1,650
Median monthly rent
95.7%
Home ownership
5.2%
Poverty rate
1.5%
Unemployment
494
Housing units
11.1%
Bachelor's or higher

Age distribution

Male Female
35
Under 5
28
59
5–9
47
63
10–14
50
69
15–19
55
23
20–24
19
80
25–34
64
119
35–44
95
48
45–54
39
13
55–59
11
48
60–64
39
119
65–74
95
50
75–84
41
36
85+
29
← Male
Female →

Age summary

GroupCount%
Under 1833524.4%
18 and over1,03975.6%
65 and over37026.9%
Median age39.3 years

Race & ethnicity

White 64.1%
Hispanic or Latino 17.2%
Other race 14%
Two or more races 3.2%
American Indian / Alaska Native 1.4%
Asian 0.1%
GroupCount%
White1,06464.1%
Hispanic or Latino28617.2%
Other race23314%
Two or more races533.2%
American Indian / Alaska Native231.4%
Asian10.1%

Household income

Income range This ZIP County avg State avg
Under $50k 32.6% 40.1% 28.2%
$50k – $100k 43.7% 34.3% 28.2%
$100k – $200k 23.7% 21.3% 30.1%
Over $200k 0.0% 4.3% 13.4%
$10k–$15k 4.3%
$15k–$25k 13.8%
$25k–$35k 4.5%
$35k–$50k 7.5%
$50k–$75k 19.6%
$75k–$100k 27.1%
$100k–$150k 13.4%
$150k–$200k 9.8%
Range% of households
$10k–$15k4.3%
$15k–$25k13.8%
$25k–$35k4.5%
$35k–$50k7.5%
$50k–$75k19.6%
$75k–$100k27.1%
$100k–$150k13.4%
$150k–$200k9.8%
Median income$77,721

Housing

Home values

Under $50k 22.6%
$50k–$100k 11.7%
$100k–$150k 0.6%
$150k–$200k 4.3%
$200k–$300k 24.3%
$300k–$500k 33.0%
$500k–$1M 3.6%

Housing overview

MetricValue
Median home value$261,100
Median rent / month$1,650
Owner occupied95.7%
Renter occupied4.3%
Vacant4.7%
Single-family detached64.1%
Large apartment buildings0.0%
Mobile homes35.3%
Median rooms5.5
Avg household size (owned)2.84

Year built

Era%
2020 or later0.0%
2010–20193.3%
2000–20099.9%
1990–199929.7%
1980–198921.2%
1970–197917.7%
1960–196910.1%
1950–19591.0%
1940–19491.9%
1939 or earlier5.2%

Bedrooms

Size% of units
No bedroom (studio)0.0%
1 bedroom1.2%
2 bedrooms20.4%
3 bedrooms75.1%
4 bedrooms3.3%
5+ bedrooms0.0%

Vehicles per household

Vehicles% of households
No vehicle3.3%
1 vehicle18.5%
2 vehicles40.9%
3 or more37.3%

Heating fuel

Fuel type%
Utility gas2.9%
Electricity59.1%
Propane / LP gas19.1%
Fuel oil11.8%
Wood4.9%

Households & families

Household typeCount%
Married-couple family19840.3%
Cohabiting couple11323.0%
Male householder, no spouse6413.0%
Female householder, no spouse11623.6%
Households with children under 1817034.6%
Households with seniors (65+)24249.3%
Average household size2.80

Marital status

StatusMaleFemale
Never married42.2%24.3%
Married35.3%38.1%
Separated0.0%5.5%
Widowed3.8%13.8%
Divorced18.8%18.2%

Education

Less than 9th grade 17.2%
Some HS, no diploma 6.9%
HS graduate 54.1%
Some college, no degree 6.9%
Associate's degree 3.8%
Bachelor's degree 11.1%
Graduate / professional 0.0%
Metric%
HS diploma or higher75.9%
Bachelor's or higher11.1%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool123.8%
Kindergarten309.4%
Elementary school14545.5%
High school10833.9%
College / grad school247.5%

Employment

Industry of employment

Agriculture & mining 18.2%
Education & healthcare 12.7%
Construction 10.6%
Professional & management 9.4%
Arts, food & hospitality 9.4%
Manufacturing 7.9%
Retail trade 6.8%
Public administration 6.6%
Transportation & utilities 6.0%
Finance & real estate 4.6%
Other services 4.5%
Wholesale trade 3.1%

Occupation

Category%
Management, business & arts12.7%
Service38.1%
Sales & office20.7%
Natural resources & construction16.1%
Production & transportation12.4%

Employment type

Type%
Private sector75.7%
Government14.6%
Self-employed9.8%
Unpaid family workers0.0%

Commute

Method%
Drive alone85.9%
Carpool12.3%
Public transit0.0%
Walk1.8%
Work from home0.0%
Other means0.0%
Avg commute (minutes)31.1

Poverty

All people 5.2%
Under 18 years 0.6%
18 and over 6.6%
Married-couple families 0.0%
Female-led households 0.0%

Income support

Source% of households
Social Security49.5%
Retirement income31.0%
Supplemental Security2.9%
Cash public assistance0.0%
Food stamps / SNAP17.7%

Health indicators

Condition%
Obesity38.8%
High blood pressure35.6%
High cholesterol33.5%
Diabetes12.3%
Heart disease6.8%
Stroke3.6%
Asthma11.3%
Arthritis28.6%
Kidney disease3.1%
Pulmonary disease9.3%
Cancer6.1%
Behavior / access%
Smoking23.3%
Binge drinking15.0%
No physical activity29.7%
Less than 7 hrs sleep35.6%
Depression23.5%
Fair or poor health18.7%
Poor mental health17.9%
Poor physical health12.3%
No health insurance15.4%
Visited doctor (checkup)76.5%
Visited dentist54.2%
Cholesterol screening88.0%
Teeth loss18.6%

Veterans & disability

VeteransCount%
Civilian veterans383.7%
Disability%
Any disability16.2%
Under 185.4%
18–64 years9.7%
65 and over37.8%

Health insurance coverage

Type%
Private insurance42.3%
Public insurance51.0%
No insurance20.4%
Uninsured under 192.7%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,31195.4%
Spanish33925.9%
Other Indo-European33925.9%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)1,15484.0%
Born in same state1,15484.0%
Born in different state85662.3%
Foreign born00.0%
Naturalized citizen22016.0%
Not a US citizen219.5%

Ancestry

AncestryCount%
French13810%
Arab1299.4%
AncestryCount%
Italian231.7%

Technology access

Metric% of households
Computer access35.7%
Internet access88.8%

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

Frequently asked questions about ZIP code 21640

What city is ZIP code 21640 in?

ZIP code 21640 is primarily assigned to Henderson, Maryland.

What county is ZIP code 21640 in?

ZIP code 21640 falls within Caroline County, Maryland.

Is ZIP code 21640 mostly owner-occupied?

96% of occupied units in ZIP code 21640 are owner-occupied, well above the national average.

Does ZIP code 21640 have an older population?

27% of residents in ZIP code 21640 are 65 or older, above the national average of ~17%.

Is Spanish widely spoken in ZIP code 21640?

Approximately 26% of households in ZIP code 21640 speak Spanish as a primary language.

Does ZIP code 21640 have a large retiree population?

50% of households in ZIP code 21640 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 21640 in?

ZIP code 21640 observes the EST timezone.

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