21912 ZIP Code — Warwick, MD

Cecil County, Maryland

ZIP code 21912 is located in Warwick, Maryland, within Cecil County. It covers approximately 33.87 square miles and serves a population of 1,495 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 410/667.

About ZIP code 21912

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $400,800. Owner-occupancy is high at 90%, well above the national average.

The gap between median ($69,732) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. SNAP benefit usage at 20% of households reflects economic stress in the area. 47% 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. An above-average commute of 37 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%; and disability rates above the national average at 27%.

Overall, ZIP code 21912 reflects a community defined by a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,495

population

33.87

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21912 ZIP code map

Cities in ZIP code 21912

Below are the cities the US Postal Service accepts for ZIP code 21912. Using any city not on this list may result in mail delivery delays.

City	Status
Warwick	Preferred

Nearby ZIP codes

21915 Chesapeake City (5.2 mi) 21919 Earleville (5.5 mi) 21635 Galena (7.2 mi) 21650 Massey (8.1 mi) 19709 Middletown (8.7 mi) 19734 Townsend (10.5 mi) 21645 Kennedyville (11 mi) 21901 North East (12 mi) 21651 Millington (12.9 mi) 21921 Elkton (13.1 mi) 19701 Bear (13.1 mi) 19938 Clayton (13.8 mi)

Demographics updated 05/2026

Population
Total population	1,495
Population density	44 / sq mi
State FIPS	24
County FIPS	015

Geography
Land area	33.87 sq mi
Water area	1.75 sq mi
Latitude	39.4311
Longitude	-75.8229
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	49.3%	31.4%	28.2%
$50k – $100k	17.5%	31.8%	28.2%
$100k – $200k	11.8%	29.7%	30.1%
Over $200k	21.4%	7.1%	13.4%

Demographics & statistics

1,495

Population

People per sq mi

58.1

Median age

$69,732

Median household income

$63,266

Per capita income

$400,800

Median home value

$772

Median monthly rent

89.5%

Home ownership

6.1%

Poverty rate

2.1%

Unemployment

597

Housing units

23.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

102

45–54

137

124

55–59

168

60–64

139

65–74

187

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	147	9.8%
18 and over	1,348	90.2%
65 and over	472	31.6%
Median age	58.1 years

Race & ethnicity

White 98.3%

Black or African American 1.7%

Group	Count	%
White	1,470	98.3%
Black or African American	25	1.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	49.3%	31.4%	28.2%
$50k – $100k	17.5%	31.8%	28.2%
$100k – $200k	11.8%	29.7%	30.1%
Over $200k	21.4%	7.1%	13.4%

Under $10k 2.4%

$15k–$25k 15.3%

$35k–$50k 24.6%

$50k–$75k 7.9%

$75k–$100k 10.0%

$100k–$150k 20.1%

$150k–$200k 1.3%

$200k+ 18.3%

Range	% of households
Under $10k	2.4%
$15k–$25k	15.3%
$35k–$50k	24.6%
$50k–$75k	7.9%
$75k–$100k	10.0%
$100k–$150k	20.1%
$150k–$200k	1.3%
$200k+	18.3%
Median income	$69,732

Housing

Home values

Under $50k 11.2%

$50k–$100k 2.3%

$150k–$200k 15.4%

$200k–$300k 6.4%

$300k–$500k 24.5%

$500k–$1M 36.5%

$1M+ 3.7%

Housing overview

Metric	Value
Median home value	$400,800
Median rent / month	$772
Owner occupied	89.5%
Renter occupied	10.5%
Vacant	0.0%
Single-family detached	97.9%
Large apartment buildings	2.1%
Mobile homes	0.0%
Median rooms	7.3
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	17.1%
1990–1999	32.8%
1980–1989	13.8%
1970–1979	2.4%
1960–1969	6.9%
1950–1959	16.3%
1940–1949	2.2%
1939 or earlier	8.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.1%
2 bedrooms	23.4%
3 bedrooms	35.4%
4 bedrooms	25.0%
5+ bedrooms	13.0%

Vehicles per household

Vehicles	% of households
No vehicle	13.2%
1 vehicle	37.0%
2 vehicles	23.4%
3 or more	26.4%

Heating fuel

Fuel type	%
Electricity	36.1%
Propane / LP gas	29.1%
Fuel oil	28.2%
Wood	3.7%

Households & families

Household type	Count	%
Married-couple family	357	53.5%
Cohabiting couple	62	9.3%
Male householder, no spouse	34	5.1%
Female householder, no spouse	214	32.1%
Households with children under 18	75	11.2%
Households with seniors (65+)	344	51.6%
Average household size	2.24

Marital status

Status	Male	Female
Never married	21.2%	20.3%
Married	60.3%	46.7%
Separated	5.5%	6.3%
Widowed	1.1%	24.8%
Divorced	11.9%	1.9%

Education

Less than 9th grade 0.0%

Some HS, no diploma 2.2%

HS graduate 39.8%

Some college, no degree 25.1%

Associate's degree 9.8%

Bachelor's degree 10.2%

Graduate / professional 12.9%

Metric	%
HS diploma or higher	97.8%
Bachelor's or higher	23.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	111	66.9%
High school	22	13.3%
College / grad school	33	19.9%

Employment

Industry of employment

Professional & management 26.3%

Education & healthcare 17.3%

Manufacturing 16.2%

Agriculture & mining 10.8%

Construction 7.4%

Public administration 5.1%

Transportation & utilities 4.9%

Other services 3.2%

Arts, food & hospitality 2.7%

Wholesale trade 2.5%

Retail trade 2.2%

Finance & real estate 1.5%

Occupation

Category	%
Management, business & arts	45.8%
Service	16.2%
Sales & office	7.6%
Natural resources & construction	10.8%
Production & transportation	19.7%

Employment type

Type	%
Private sector	83.3%
Government	8.8%
Self-employed	7.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.6%
Carpool	3.7%
Public transit	0.0%
Walk	3.1%
Work from home	11.6%
Other means	0.0%
Avg commute (minutes)	36.8

Poverty

All people 6.1%

Under 18 years 0.0%

18 and over 6.8%

Married-couple families 4.5%

Female-led households 0.0%

Income support

Source	% of households
Social Security	46.8%
Retirement income	24.3%
Supplemental Security	12.6%
Cash public assistance	0.0%
Food stamps / SNAP	20.1%

Health indicators

Condition	%
Obesity	38.8%
High blood pressure	36.3%
High cholesterol	34.0%
Diabetes	9.7%
Heart disease	5.5%
Stroke	2.7%
Asthma	9.4%
Arthritis	25.5%
Kidney disease	2.5%
Pulmonary disease	6.2%
Cancer	6.3%

Behavior / access	%
Smoking	18.3%
Binge drinking	16.5%
No physical activity	24.3%
Less than 7 hrs sleep	35.8%
Depression	19.6%
Fair or poor health	12.6%
Poor mental health	14.2%
Poor physical health	9.1%
No health insurance	10.6%
Visited doctor (checkup)	74.2%
Visited dentist	64.3%
Cholesterol screening	92.0%
Teeth loss	11.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	157	11.6%

Disability	%
Any disability	26.7%
Under 18	0.0%
18–64 years	20.4%
65 and over	46.6%

Health insurance coverage

Type	%
Private insurance	64.2%
Public insurance	47.0%
No insurance	4.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,481	99.1%
Spanish	67	4.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	67	4.5%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,475	98.7%
Born in same state	1,460	97.7%
Born in different state	329	22.0%
Foreign born	15	1.0%
Naturalized citizen	20	1.3%
Not a US citizen	20	100.0%

Ancestry

Ancestry	Count	%
Italian	329	22%
French	301	20.1%

Ancestry	Count	%
Arab	202	13.5%
English	75	5%

Technology access

Metric	% of households
Computer access	44.6%
Internet access	86.8%

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

Frequently asked questions about ZIP code 21912

What city is ZIP code 21912 in?

ZIP code 21912 is primarily assigned to Warwick, Maryland.

What county is ZIP code 21912 in?

ZIP code 21912 falls within Cecil County, Maryland.

Does ZIP code 21912 have an older population?

32% of residents in ZIP code 21912 are 65 or older, above the national average of ~17%.

Is ZIP code 21912 mostly owner-occupied?

90% of occupied units in ZIP code 21912 are owner-occupied, well above the national average.

Does ZIP code 21912 have a large retiree population?

47% of households in ZIP code 21912 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 21912 have a large veteran population?

12% of civilians in ZIP code 21912 are veterans, above the national average of ~7%.

What timezone is ZIP code 21912 in?

ZIP code 21912 observes the EST timezone.