21663 ZIP Code — Saint Michaels, MD

Talbot County, Maryland

ZIP code 21663 is located in Saint Michaels, Maryland, within Talbot County. It covers approximately 12.19 square miles and serves a population of 3,646 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 410/667.

About ZIP code 21663

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 $586,600. Owner-occupancy is high at 78%, well above the national average.

The gap between median ($76,667) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 52% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 23 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%.

Overall, ZIP code 21663 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

3,646

population

12.19

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21663 ZIP code map

Cities in ZIP code 21663

Below are the cities the US Postal Service accepts for ZIP code 21663. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Michaels	Acceptable
Saint Michaels	Preferred

Nearby ZIP codes

21612 Bozman (3.7 mi) 21676 Wittman (3.9 mi) 21665 Sherwood (6.3 mi) 21662 Royal Oak (6.7 mi) 21671 Tilghman (9 mi) 21638 Grasonville (9.5 mi) 21654 Oxford (9.6 mi) 21601 Easton (10 mi) 21619 Chester (10.6 mi) 21666 Stevensville (10.9 mi) 21658 Queenstown (10.9 mi) 21679 Wye Mills (11.2 mi)

Demographics updated 05/2026

Population
Total population	3,646
Population density	299 / sq mi
State FIPS	24
County FIPS	041

Geography
Land area	12.19 sq mi
Water area	7.52 sq mi
Latitude	38.7999
Longitude	-76.2333
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	29.5%	33.6%	28.2%
$50k – $100k	33.0%	32.5%	28.2%
$100k – $200k	17.8%	22.8%	30.1%
Over $200k	19.7%	11.1%	13.4%

Demographics & statistics

3,646

Population

299

People per sq mi

56.4

Median age

$76,667

Median household income

$62,585

Per capita income

$586,600

Median home value

$980

Median monthly rent

78.3%

Home ownership

5.3%

Poverty rate

5.9%

Unemployment

1,841

Housing units

50.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

108

20–24

117

112

25–34

122

116

35–44

126

236

45–54

257

151

55–59

164

147

60–64

160

371

65–74

404

201

75–84

220

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	531	14.6%
18 and over	3,115	85.4%
65 and over	1,294	35.5%
Median age	56.4 years

Race & ethnicity

White 80.3%

Black or African American 10%

Two or more races 4.6%

Hispanic or Latino 4.3%

Asian 0.8%

Group	Count	%
White	3,059	80.3%
Black or African American	380	10%
Two or more races	175	4.6%
Hispanic or Latino	165	4.3%
Asian	32	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.5%	33.6%	28.2%
$50k – $100k	33.0%	32.5%	28.2%
$100k – $200k	17.8%	22.8%	30.1%
Over $200k	19.7%	11.1%	13.4%

Under $10k 4.6%

$10k–$15k 0.4%

$15k–$25k 5.5%

$25k–$35k 9.5%

$35k–$50k 9.4%

$50k–$75k 18.7%

$75k–$100k 14.3%

$100k–$150k 12.9%

$150k–$200k 4.6%

$200k+ 20.1%

Range	% of households
Under $10k	4.6%
$10k–$15k	0.4%
$15k–$25k	5.5%
$25k–$35k	9.5%
$35k–$50k	9.4%
$50k–$75k	18.7%
$75k–$100k	14.3%
$100k–$150k	12.9%
$150k–$200k	4.6%
$200k+	20.1%
Median income	$76,667

Housing

Home values

Under $50k 0.6%

$50k–$100k 0.5%

$100k–$150k 5.3%

$150k–$200k 6.7%

$200k–$300k 6.7%

$300k–$500k 22.7%

$500k–$1M 40.0%

$1M+ 17.5%

Housing overview

Metric	Value
Median home value	$586,600
Median rent / month	$980
Owner occupied	78.3%
Renter occupied	21.7%
Vacant	25.4%
Single-family detached	77.7%
Large apartment buildings	0.8%
Mobile homes	0.0%
Median rooms	6.5
Avg household size (owned)	2.23

Year built

Era	%
2020 or later	1.3%
2010–2019	4.4%
2000–2009	7.9%
1990–1999	13.3%
1980–1989	20.8%
1970–1979	14.7%
1960–1969	5.8%
1950–1959	7.1%
1940–1949	3.2%
1939 or earlier	21.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.1%
1 bedroom	9.1%
2 bedrooms	26.5%
3 bedrooms	39.9%
4 bedrooms	19.7%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	36.9%
2 vehicles	45.7%
3 or more	13.7%

Heating fuel

Fuel type	%
Utility gas	1.2%
Electricity	72.6%
Propane / LP gas	11.5%
Fuel oil	12.6%
Wood	0.9%

Households & families

Household type	Count	%
Married-couple family	860	52.4%
Cohabiting couple	103	6.3%
Male householder, no spouse	202	12.3%
Female householder, no spouse	475	29.0%
Households with children under 18	282	17.2%
Households with seniors (65+)	970	59.1%
Average household size	2.22

Marital status

Status	Male	Female
Never married	20.8%	21.6%
Married	62.4%	53.1%
Separated	0.7%	1.0%
Widowed	1.1%	8.6%
Divorced	15.0%	15.6%

Education

Less than 9th grade 1.7%

Some HS, no diploma 6.1%

HS graduate 18.0%

Some college, no degree 20.0%

Associate's degree 3.4%

Bachelor's degree 28.3%

Graduate / professional 22.5%

Metric	%
HS diploma or higher	92.2%
Bachelor's or higher	50.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	32	6.1%
Kindergarten	15	2.9%
Elementary school	207	39.5%
High school	222	42.4%
College / grad school	48	9.2%

Employment

Industry of employment

Professional & management 20.5%

Education & healthcare 19.8%

Retail trade 10.3%

Arts, food & hospitality 10.3%

Construction 8.9%

Finance & real estate 8.4%

Other services 7.7%

Public administration 4.5%

Manufacturing 3.3%

Agriculture & mining 2.8%

Information 2.3%

Wholesale trade 0.9%

Transportation & utilities 0.2%

Occupation

Category	%
Management, business & arts	50.9%
Service	18.7%
Sales & office	11.0%
Natural resources & construction	10.6%
Production & transportation	8.8%

Employment type

Type	%
Private sector	73.2%
Government	10.4%
Self-employed	16.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.7%
Carpool	5.2%
Public transit	0.3%
Walk	7.5%
Work from home	12.0%
Other means	2.3%
Avg commute (minutes)	22.8

Poverty

All people 5.3%

Under 18 years 5.3%

18 and over 5.3%

Married-couple families 3.1%

Female-led households 22.4%

Income support

Source	% of households
Social Security	52.0%
Retirement income	37.4%
Supplemental Security	2.1%
Cash public assistance	0.9%
Food stamps / SNAP	6.5%

Health indicators

Condition	%
Obesity	30.7%
High blood pressure	40.1%
High cholesterol	40.1%
Diabetes	11.9%
Heart disease	8.2%
Stroke	3.6%
Asthma	8.6%
Arthritis	33.6%
Kidney disease	3.6%
Pulmonary disease	6.9%
Cancer	11.3%

Behavior / access	%
Smoking	10.1%
Binge drinking	12.6%
No physical activity	19.7%
Less than 7 hrs sleep	25.6%
Depression	16.4%
Fair or poor health	11.4%
Poor mental health	10.7%
Poor physical health	8.7%
No health insurance	7.3%
Visited doctor (checkup)	83.2%
Visited dentist	76.7%
Cholesterol screening	95.8%
Teeth loss	6.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	230	7.4%

Disability	%
Any disability	16.3%
Under 18	6.0%
18–64 years	12.1%
65 and over	26.6%

Health insurance coverage

Type	%
Private insurance	66.0%
Public insurance	55.2%
No insurance	5.1%
Uninsured under 19	3.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,552	97.4%
Spanish	50	1.4%
Other Indo-European	35	1.0%
Asian & Pacific Islander	15	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,174	87.1%
Born in same state	3,148	86.3%
Born in different state	1,419	38.9%
Foreign born	26	0.7%
Naturalized citizen	472	12.9%
Not a US citizen	270	57.2%

Ancestry

Ancestry	Count	%
French	719	19.7%
Italian	614	16.8%
Arab	126	3.5%
Polish	21	0.6%

Ancestry	Count	%
English	17	0.5%
Dutch	6	0.2%
Norwegian	5	0.1%

Technology access

Metric	% of households
Computer access	45.0%
Internet access	90.5%

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

Frequently asked questions about ZIP code 21663

What city is ZIP code 21663 in?

ZIP code 21663 is primarily assigned to Saint Michaels, Maryland.

What county is ZIP code 21663 in?

ZIP code 21663 falls within Talbot County, Maryland.

Does ZIP code 21663 have an older population?

36% of residents in ZIP code 21663 are 65 or older, above the national average of ~17%.

Does ZIP code 21663 have a large retiree population?

52% of households in ZIP code 21663 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 21663?

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

What is the typical home value in ZIP code 21663?

The median home value in ZIP code 21663 is $586,600.

What timezone is ZIP code 21663 in?

ZIP code 21663 observes the EST timezone.