21754Urbana, Maryland

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 21754.

Area Score unavailable

Missing required signal: growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
OpportunityTop 26% of 6,210 published ZIP areas67
SchoolsTop 21% of 4,422 published ZIP areas74
Housing affordabilityTop 23% of 6,685 published ZIP areas94
ClimateTop 33% of 6,789 published ZIP areas74
Physical resilienceTop 12% of 6,709 published ZIP areas89
Access4781st of 6,791 published ZIP areas86
Economic stabilityTop 8% of 6,742 published ZIP areas82
The quick read

Unemployment is 3.5% and median household income $182,188, putting employment conditions in the middle range of published ZIP profiles.

In the public schools here, 26% of students met the state standard in mathematics, with 18.5 students for every teacher.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 21754 in the top 12% for physical resilience.

At a glance

Population
8,156
2024 ACS 5-Year
Median household income
$182,188
Top 2% nationally
Density
374/sq mi
21.8 sq mi of land
Median age
41.2
2024 ACS 5-Year
City
Urbana
Maryland
Metro area
Washington-Arlington-Alexandria, DC-VA-MD-WV
Nearest major airport
IAD
28 mi · Washington Dulles Intl
Median home value
$647,300
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.5% is lower than 86% of the 6,544 measured US ZIP areas.

Employment fell 1.7% over the past year, to 150,234 employed residents.

58% of adults hold a four-year degree, higher than 92% of measured US ZIP areas.

Household income is higher than at least 98% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$21,911$182,188Top 2%2024 ACS 5-Year
Per capita income ±$6,977$72,917Top 5%2024 ACS 5-Year
Poverty rate3.4%Bottom 12%2024 ACS 5-Year
Average commute41.8 minTop 6%2024 ACS 5-Year
Bachelor's degree or higher57.7%Top 8%2024 ACS 5-Year
Employment150,234Top 27%June 2026
Employment change (3 years)-2.5%Bottom 15%June 2026
Employment change (year over year)-1.7%Bottom 26%June 2026
Labor force155,673Top 27%June 2026
Labor force participation65.1%Top 32%2024 ACS 5-Year
Mean annual wage$91,930Top 5%2025 OEWS
Median annual wage$71,060Top 6%2025 OEWS
Unemployment change (year over year)-0.2%Bottom 36%June 2026
Unemployment rate3.5%Bottom 14%June 2026
Median household income, successive ACS releases
2021202220232024182k152k
Each point is a separate five-year estimate, most recently $182,188 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Washington-Arlington-Alexandria, DC-VA-MD-WV
OccupationPeople employedMedian annual wage
General and Operations Managers112,530$156,460
Business Operations Specialists, All Other76,600$104,770
Software Developers69,060$154,930
Retail Salespersons66,920$36,610
Management Analysts62,360$126,830
Fast Food and Counter Workers60,560$34,600

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Urbana, MD, the city containing this ZIP code.

26% of students met the state standard in mathematics and 47% in reading, across the schools here that reported results.

There are 18.5 students for every full-time teacher, more than in most measured places.

Public schools
6
2024-25 school year
Students per teacher
18.5
across all schools here
Math proficiency
26.3%
Top 16% in Maryland
Reading proficiency
46.8%
Top 9% in Maryland
SchoolDistrictStudentsPer teacherMathReading
Urbana HighFrederick County Public Schools1,98920.1
Oakdale HighFrederick County Public Schools1,70219.6
Oakdale ElementaryFrederick County Public Schools1,16716.741%42%
Urbana MiddleFrederick County Public Schools1,09017.627%50%
Oakdale MiddleFrederick County Public Schools1,08517.817%52%
Windsor Knolls MiddleFrederick County Public Schools81217.717%42%

16.7% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Maryland’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,745 takes 11% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.6 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
11.5%
Below the 30% cost-burdened threshold
Home price to income
3.6×
median home value ÷ median income
Median gross rent
$1,745
2024 ACS 5-Year
Median home value
$647,300
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.55Top 38%2024 ACS 5-Year
Homeownership rate96.2%Top 8%2024 ACS 5-Year
Housing units ±2932,688Top 37%2024 ACS 5-Year
Median gross rent ±$910$1,745Top 14%2024 ACS 5-Year
Median home value ±$38,625$647,300Top 8%2024 ACS 5-Year
Rent as a share of income11.5%Bottom 9%2024 ACS 5-Year
Vacancy rate1.0%Bottom 7%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →

No building-permit activity is published for this location by the Census Building Permits Survey.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 88°F and January a low of 25°F.

Normal annual precipitation is 43.2 inches, including 21.0 inches of snow.

Air quality measures a median index of 43, in the Good band, and no day in the year passed 100.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station WASHINGTON DC DULLES AP, 28.2 miles from this location.
Precipitation
JFMAMJJASOND4.7"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index64.02024 calendar year
Annual precipitation43.2"1991-2020 Normals
Annual snowfall21.0"1991-2020 Normals
Average January low25°F1991-2020 Normals
Average July high88°F1991-2020 Normals
Comfortable months71991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index43.02024 calendar year
Seasonal temperature swing43°F1991-2020 Normals
Air quality
Median air quality index
43
Good on a typical day
Worst tenth of days
64
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

89 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, lightning and drought.

LightningModerate
HurricaneModerate
DroughtModerate
LandslideModerate
Cold waveModerate

Low or minimal exposure: winter weather, heat wave, inland flooding, strong wind, hail, earthquake, tornado, ice storm, wildfire, avalanche.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Frederick County records 2.3 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 5.5 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 6.1 per 100,000 residents in Frederick County.

Homicide
2.3
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
5.5
per 100,000 residents · under 10 deaths
Drug overdose
6.1
per 100,000 residents · under 10 deaths
Suicide
10.9
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Frederick County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 21754 rather than 21754 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

3 major airports lie within 100 miles, the nearest 28 miles away.

AirportCodeDistanceLongest runway
Washington Dulles IntlIAD28 mi11,500 ft
Baltimore/Washington Intl Thurgood MarshallBWI36 mi10,503 ft
Harrisburg IntlMDT66 mi10,001 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

21754 vs Urbana

How this ZIP area compares with Urbana as a whole. Both figures come from the same ACS release, so the comparison is like for like.

21754
Urbana
Median household income
$182,188
vs
$182,500
Per capita income
$72,917
vs
$66,096
Population density
374/sq mi
vs
1,835/sq mi
Median home value
$647,300
vs
$640,100
Median gross rent
$1,745
vs
$2,649
Homeownership rate
96.2%
vs
80.3%
Bachelor's degree or higher
57.7%
vs
66.0%
Poverty rate
3.4%
vs
1.2%
Median age
41.2
vs
38.1

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.