21654 ZIP Code — Oxford, MD

Talbot County, Maryland

ZIP code 21654 is located in Oxford, Maryland, within Talbot County. It covers approximately 11.10 square miles and serves a population of 1,260 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 410.

About ZIP code 21654

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 $799,100. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($77,288) and mean household income suggests income inequality — a small number of higher earners pull the average up. 71% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. An above-average commute of 44 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 22% of workers work from home.

Educational attainment is high — 71% 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 12% of civilians, above the national average of 7%.

Overall, ZIP code 21654 reflects a community defined by a highly educated population, a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

1,260

population

11.10

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21654 ZIP code map

Cities in ZIP code 21654

Below are the cities the US Postal Service accepts for ZIP code 21654. Using any city not on this list may result in mail delivery delays.

City	Status
Oxford	Preferred

Nearby ZIP codes

21662 Royal Oak (4.5 mi) 21673 Trappe (4.7 mi) 21601 Easton (8.4 mi) 21612 Bozman (9.1 mi) 21663 Saint Michaels (9.6 mi) 21671 Tilghman (11.2 mi) 21676 Wittman (11.4 mi) 21665 Sherwood (11.5 mi) 21655 Preston (11.8 mi) 21677 Woolford (12.4 mi) 21631 East New Market (12.6 mi) 21625 Cordova (14.4 mi)

Demographics updated 05/2026

Population
Total population	1,260
Population density	114 / sq mi
State FIPS	24
County FIPS	041

Geography
Land area	11.10 sq mi
Water area	4.52 sq mi
Latitude	38.6876
Longitude	-76.1284
Timezone	Eastern (ET)
Area code	410

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.7%	33.6%	28.2%
$50k – $100k	34.7%	32.5%	28.2%
$100k – $200k	24.9%	22.8%	30.1%
Over $200k	14.7%	11.1%	13.4%

Demographics & statistics

1,260

Population

114

People per sq mi

67.7

Median age

$77,288

Median household income

$65,033

Per capita income

$799,100

Median home value

$1,216

Median monthly rent

84.0%

Home ownership

12.3%

Poverty rate

8.7%

Unemployment

844

Housing units

71.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

221

65–74

254

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	84	6.7%
18 and over	1,176	93.3%
65 and over	667	52.9%
Median age	67.7 years

Race & ethnicity

White 83.9%

Hispanic or Latino 6.5%

Two or more races 6.5%

Black or African American 2.8%

Asian 0.2%

Other race 0.1%

Group	Count	%
White	1,130	83.9%
Hispanic or Latino	87	6.5%
Two or more races	87	6.5%
Black or African American	38	2.8%
Asian	3	0.2%
Other race	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.7%	33.6%	28.2%
$50k – $100k	34.7%	32.5%	28.2%
$100k – $200k	24.9%	22.8%	30.1%
Over $200k	14.7%	11.1%	13.4%

Under $10k 5.3%

$10k–$15k 0.6%

$15k–$25k 2.0%

$25k–$35k 5.3%

$35k–$50k 16.8%

$50k–$75k 12.4%

$75k–$100k 25.5%

$100k–$150k 12.4%

$150k–$200k 6.4%

$200k+ 13.2%

Range	% of households
Under $10k	5.3%
$10k–$15k	0.6%
$15k–$25k	2.0%
$25k–$35k	5.3%
$35k–$50k	16.8%
$50k–$75k	12.4%
$75k–$100k	25.5%
$100k–$150k	12.4%
$150k–$200k	6.4%
$200k+	13.2%
Median income	$77,288

Housing

Home values

Under $50k 1.5%

$100k–$150k 0.4%

$200k–$300k 1.5%

$300k–$500k 15.6%

$500k–$1M 47.0%

$1M+ 34.1%

Housing overview

Metric	Value
Median home value	$799,100
Median rent / month	$1,216
Owner occupied	84.0%
Renter occupied	16.0%
Vacant	32.1%
Single-family detached	91.6%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	7.3
Avg household size (owned)	1.87

Year built

Era	%
2020 or later	0.0%
2010–2019	0.5%
2000–2009	8.0%
1990–1999	9.7%
1980–1989	26.6%
1970–1979	11.3%
1960–1969	5.0%
1950–1959	7.0%
1940–1949	3.8%
1939 or earlier	28.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	8.6%
2 bedrooms	20.6%
3 bedrooms	26.7%
4 bedrooms	25.1%
5+ bedrooms	19.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.9%
1 vehicle	27.7%
2 vehicles	54.7%
3 or more	16.6%

Heating fuel

Fuel type	%
Utility gas	2.8%
Electricity	70.5%
Propane / LP gas	8.1%
Fuel oil	11.8%
Wood	3.0%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	341	53.0%
Cohabiting couple	18	2.8%
Male householder, no spouse	71	11.0%
Female householder, no spouse	213	33.1%
Households with children under 18	77	12.0%
Households with seniors (65+)	444	69.1%
Average household size	1.96

Marital status

Status	Male	Female
Never married	14.0%	18.7%
Married	64.3%	47.5%
Separated	0.4%	0.0%
Widowed	2.2%	17.3%
Divorced	19.2%	16.5%

Education

Less than 9th grade 0.5%

Some HS, no diploma 1.7%

HS graduate 4.7%

Some college, no degree 17.1%

Associate's degree 4.8%

Bachelor's degree 32.8%

Graduate / professional 38.2%

Metric	%
HS diploma or higher	97.7%
Bachelor's or higher	71.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1	0.6%
Kindergarten	0	0.0%
Elementary school	41	24.3%
High school	43	25.4%
College / grad school	84	49.7%

Employment

Industry of employment

Other services 16.8%

Public administration 15.8%

Professional & management 15.6%

Education & healthcare 12.5%

Finance & real estate 10.2%

Arts, food & hospitality 8.2%

Construction 7.6%

Retail trade 5.2%

Manufacturing 4.3%

Transportation & utilities 1.7%

Wholesale trade 1.1%

Information 1.1%

Occupation

Category	%
Management, business & arts	61.3%
Service	3.5%
Sales & office	18.8%
Natural resources & construction	0.4%
Production & transportation	16.0%

Employment type

Type	%
Private sector	65.9%
Government	25.5%
Self-employed	8.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	66.0%
Carpool	5.4%
Public transit	0.0%
Walk	5.0%
Work from home	21.6%
Other means	1.9%
Avg commute (minutes)	43.5

Poverty

All people 12.3%

Under 18 years 6.0%

18 and over 12.8%

Married-couple families 0.9%

Female-led households 14.3%

Income support

Source	% of households
Social Security	71.1%
Retirement income	46.8%
Supplemental Security	0.3%
Cash public assistance	2.2%
Food stamps / SNAP	2.2%

Health indicators

Condition	%
Obesity	31.2%
High blood pressure	41.4%
High cholesterol	41.7%
Diabetes	12.5%
Heart disease	8.8%
Stroke	3.8%
Asthma	8.5%
Arthritis	34.9%
Kidney disease	3.7%
Pulmonary disease	7.7%
Cancer	11.4%

Behavior / access	%
Smoking	11.4%
Binge drinking	12.7%
No physical activity	20.9%
Less than 7 hrs sleep	25.8%
Depression	16.6%
Fair or poor health	12.3%
Poor mental health	10.7%
Poor physical health	9.4%
No health insurance	7.7%
Visited doctor (checkup)	83.0%
Visited dentist	75.4%
Cholesterol screening	95.9%
Teeth loss	7.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	140	11.9%

Disability	%
Any disability	15.9%
Under 18	0.0%
18–64 years	20.0%
65 and over	14.7%

Health insurance coverage

Type	%
Private insurance	68.8%
Public insurance	62.6%
No insurance	0.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,253	99.4%
Spanish	13	1.0%
Other Indo-European	11	0.9%
Asian & Pacific Islander	2	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,241	98.5%
Born in same state	1,241	98.5%
Born in different state	245	19.4%
Foreign born	0	0.0%
Naturalized citizen	19	1.5%
Not a US citizen	19	100.0%

Ancestry

Ancestry	Count	%
Italian	331	26.3%
French	323	25.6%
Arab	82	6.5%
English	54	4.3%

Ancestry	Count	%
Dutch	7	0.6%
German	6	0.5%
Norwegian	2	0.2%

Technology access

Metric	% of households
Computer access	51.0%
Internet access	99.1%

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

Frequently asked questions about ZIP code 21654

What city is ZIP code 21654 in?

ZIP code 21654 is primarily assigned to Oxford, Maryland.

What county is ZIP code 21654 in?

ZIP code 21654 falls within Talbot County, Maryland.

Does ZIP code 21654 have an older population?

53% of residents in ZIP code 21654 are 65 or older, above the national average of ~17%.

Does ZIP code 21654 have a large retiree population?

71% of households in ZIP code 21654 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 21654?

71% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 21654 mostly owner-occupied?

84% of occupied units in ZIP code 21654 are owner-occupied, well above the national average.

What timezone is ZIP code 21654 in?

ZIP code 21654 observes the EST timezone.