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21015

ZIP Code Tabulation Area in MD, US
Last updated
Key Indicators
A quick look at key numbers

Population

30,013
Source: U.S. Census Bureau American Community Survey (ACS) 2020-2024 5-Year Estimates

Median Age

40.4
years ∙ half population younger than 40.4, half older

Diversity Index

Low High
31.7%
chance two random people differ in race and ethnicity

Nativity

5.9%
foreign-born population
94.1%Native
5.9% Foreign-born

Geographic Context

Location, size, and surroundings

About

21015 is a ZIP Code Tabulation Area (ZCTA) defined by the U.S. Census Bureau, corresponding primarily to Bel Air South, Bel Air North and other communities in Harford County, Maryland.
Location
ZIP Code Tabulation Area in MD, US
Co-ordinates
DEC39.544176° N, 76.292469° W
DMS39° 32′ 39.03″ N, 76° 17′ 32.89″ W

Population Density & area

962/sq mi (371/km²)
Total Area
31.4 sq mi (81.5 km²)
Land Area
31.2 sq mi (80.9 km²) · 99.31%
Water Area
0.2 sq mi (0.6 km²) · 0.69%

Demographics & Living

Who lives here, how households are formed, and community composition

Population Composition

Key characteristics of the population

Sex Distribution

48.5% male
Male 48.5%
Female 51.5%
males per 100 females
21015 94.3
Maryland 94.8
United States 98

Nativity

5.9%
foreign-born population
94.1%Native
5.9% Foreign-born
% Foreign-born
21015 5.9%
Maryland 16.6%
United States 14.1%
Age Distribution
How the population is spread across age groups

Median Age

40.4
years ∙ half population younger than 40.4, half older
21015
40.4
Maryland
39.4
United States
38.9

Dependency ratio

Low High
70.8
dependents per 100 working-age adults
21015 70.8
Maryland 63.5
United States 64.4

AGE DISTRIBUTION

Distribution of age group
Median age
21015 Maryland United States
Age Group
Children (Under 18) 25.4% 22.2% 22%
Working age (18-64) 58.6% 61.1% 60.8%
Senior (65+) 16% 16.7% 17.2%
Dependency ratio
Total dependency ratio 70.8 63.5 64.4
Child dependency ratio 43.4 36.3 36.1
Old-age dependency ratio 27.3 27.2 28.3
Racial & Ethnic Composition
Racial and ethnic makeup and how it compares

Race & Ethnicity

White
82.2%
Black
4.4%
Asian
4.5%
Hispanic
5.1%
Other
3.8%
Note: White, Black, and Asian refer to individuals belonging to a single race and not of Hispanic origin. Hispanics may be of any race.

Diversity Index

Low High
31.7%
chance two random people differ in race and ethnicity
21015 31.7%
Maryland 67.7%
United States 61.4%
Note: The Diversity Index (DI), based on the Blau Index, measures the probability that two randomly selected individuals differ in race and ethnicity. Values range from 0 (no diversity) to 1 (high diversity) and are shown as percentages.

RACIAL & ETHNIC COMPOSITION

Race & Ethnicity
Percentage of 21015 population
21015 Maryland United States
Hispanic or Latino 5.1% 12.5% 19.3%
Mexican 1.2% 2% 11.3%
Puerto Rican 0.9% 1.1% 1.8%
Cuban 0.1% 0.3% 0.8%
Other Hispanic / Latino 2.9% 9.1% 5.5%
Not Hispanic or Latino 94.9% 87.5% 80.7%
One race 92% 82.9% 76.4%
White 82.2% 46.6% 57.4%
Black or African American 4.4% 28.9% 11.9%
American Indian and Alaska Native 0% 0.1% 0.5%
Asian 4.5% 6.5% 5.9%
Native Hawaiian and Other Pacific Islander 0% 0% 0.2%
Some Other Race 0.8% 0.7% 0.6%
Two or more races (Multiracial) 2.9% 4.6% 4.3%
Household & Families Composition
Household size, type, and family structure

Household structure

78.1% family
Family 78.1%
Non family 21.9%
% family households
21015 78.1%
Maryland 65%
United States 64.2%

Average household size

2.72
persons per household
21015
2.72
Maryland
2.57
United States
2.53

Household & Family COMPOSITION

Households
Percentage of 21015 population
21015 Maryland United States
Total households 11,012 2,362,928 129,227,496
Average houshold size 2.72 2.57 2.53
Family households 8,601 1,535,706 82,990,528
Average family size 3.09 3.19 3.14
Married couple family 7,149 1,090,871 60,637,388
Other families 1,452 444,835 22,353,140
Male householder 577 120,206 6,572,819
Female householder 875 324,629 15,780,321
Non-family households 2,411 827,222 46,236,968
One-person households 2,084 677,124 37,140,836
Male householder 710 282,192 16,871,444
Senior (65+) living alone 238 87,532 5,225,110
Female householder 1,374 394,932 20,269,392
Senior (65+) living alone 993 185,255 10,089,070
Other living arrangements 327 150,098 9,096,132

Housing Profile

Housing stock, ownership, rentals, and cost burdens

Total housing units

11,408
housing units
21015 11,408
Maryland 2,560,784
United States 143,775,355

Occupancy status

96.5% occupied
Occupied 96.5%
Vacant 3.5%
vacancy rate
21015 3.5%
Maryland 7.7%
United States 10.1%
Housing Characteristics
How the housing supply is structured and used

Types of Housing unit

86%
Single family houses
Single family houses
86%
Apartments in multi-unit structures
12.8%
Mobile homes
1.1%
Boat, RV, van, etc
0%

Median Year Built

1991
Half of houses were built before 1991, and half after.
Historic ∙ 1939 or earlier
3%
Postwar & mid-century ∙ 1940 - 1969
14.1%
Late 20th century ∙ 1970 - 1999
54.2%
Modern ∙ 2000 or later
28.6%
Note: Median year built reflects occupied units only; distribution includes all units.

Housing Characteristics

Units, rooms & bedrooms
Physical characteristics of housing units
21015 Maryland United States
Rooms per unit
Median rooms 7.9 6.2 5.5
1–3 rooms 2.9% 12.3% 15.1%
4–6 rooms 28.8% 42.4% 51.6%
7+ rooms 68.4% 45.2% 33.4%
Bedrooms
No bedroom / studio 0.4% 2.1% 2.9%
1 bedroom 2.6% 10.3% 10.9%
2 bedrooms 13.6% 21.3% 25%
3 bedrooms 38.6% 35.8% 38.7%
4+ bedrooms 44.7% 30.5% 22.4%
At a glance
Median year built 1991 1980 1981
Total housing units 11,408 2,560,784 143,775,355
Occupancy Profile
Who is inside and how they use it

Homeownership

89.1% owners
Renter-occupied 10.9%
Owner-occupied 89.1%
homeownership rate
21015 89.1%
Maryland 67.6%
United States 65.2%

Average household size

2.74
Owner-occupied
2.51
Renter-occupied
owner-occupied average size
21015 2.74
Maryland 2.7
United States 2.64

Housing Characteristics

Occupied unit characteristics
Tenure, crowding, and utilities
21015 Maryland United States
Total occupied units 11,012 2,362,928 129,227,496
Year moved in
2020 or later 20% 23.2% 24.8%
2010 to 2019 36.3% 39% 39.6%
2000 to 2009 18.8% 17.1% 16.4%
1999 or earlier 24.9% 20.8% 19.1%
Occupants per room
1.00 or fewer 99.2% 97.5% 96.6%
1.01 to 1.50 0.3% 1.7% 2.2%
1.51 or more 0.5% 0.8% 1.2%
Vehicles availability
No vehicles 3.2% 8.8% 8.4%
1 vehicle 21.8% 33.5% 33.1%
2 vehicles 44.2% 35.8% 36.6%
3 or more vehicles 30.8% 21.9% 21.9%
House heating fuel used
Gas 50.3% 46.9% 51.4%
Electricity 39.7% 44.1% 41.3%
Solar 0.1% 0.4% 0.3%
Fuel oil, kerosene etc 7.5% 6.6% 3.9%
All other fuels 1.1% 1.6% 2%
No fuel used 1.4% 0.6% 1.2%
Selected characteristics
Lacking complete plumbing 0.2% 0.3% 0.4%
Lacking complete kitchen 1.7% 0.6% 0.8%
No telephone service available 0.8% 0.8% 0.9%
Housing Value
What owner-occupied units are worth

Median home value

$443,400
owner-occupied units
Median value(USD)
21015
$443,400
Maryland
$419,900
United States
$332,700

Housing Cost Burden

22%
of homeowners with a mortgage are cost-burdened
% Cost-Burdened Households
Owners with a mortgage
22%
Owners without a mortgage
12.6%
Renters
49%
Note: Households spending 30% or more of their income on housing costs are considered cost-burdened.

Financial characteristics

Property value and housing costs
Tenure, crowding, and utilities
21015 Maryland United States
Property value
Median Value $443,400 $419,900 $332,700
Under $100,000 2.8% 5% 11.4%
$100,000 - $200,000 2.5% 7.5% 15.8%
$200,000 - $300,000 14.4% 14.8% 17.8%
$300,000 - $500,000 42.8% 37.1% 26.9%
$500,000 - $1,000,000 34.3% 29.7% 20.9%
$1,000,000 and more 3.1% 6% 7.1%
Owner-occupied households
With a mortgage 71.8% 71% 60.6%
Without a mortgage 28.2% 29% 39.4%
Median monthly owner costs
With a mortgage $2,365 $2,347 $1,963
Without a mortgage $701 $753 $638
Gross rent
Median rent $1,752 $1,705 $1,413

Education Profile

How educated is the community and how education pays off

Adults with a college degree

53.4%
of adults 25+ with a bachelor's degree or higher
21015 53.4%
Maryland 43.4%
United States 35.7%

Adults without a high school diploma

3.4%
of adults (25+) without a high school diploma
21015 3.4%
Maryland 8.8%
United States 10.4%
School Enrollment
Who is enrolled in school and at what level

School enrollment

8,485
population (age 3+) enrolled in school
Nursery / Preschool
7.1%
K–12
71.5%
College / Undergraduate
16.5%
Graduate / Professional
4.9%

College-going rate (18-24 yr olds)

42.7%
of 18-24-year-olds in college or graduate school
21015
42.7%
Maryland
41.8%
United States
40.9%

Enrollment & school type

Enrollment levels, college-going rate, and public vs private school split
Population 3+ currently enrolled in a school
21015 Maryland United States
Total enrolled (age 3+) 8,485 1,533,098 80,089,790
Nursery / preschool 7.1% 5.7% 5.7%
K–12 71.5% 66.3% 67.6%
Kindergarten 6% 4.9% 5%
Elementary: Grades 1–4 20.4% 19.5% 19.8%
Elementary: Grades 5–8 24.8% 20.5% 21%
High School: Grades 9–12 20.4% 21.5% 21.7%
College or graduate school 21.3% 28% 26.7%
College, undergraduate 16.5% 20.4% 21%
Graduate, professional school 4.9% 7.6% 5.8%
College-going rate · 18-24 yr olds 42.7% 41.8% 40.9%
School type
Public school 83% 80% 82%
Private school 17% 20% 18%
Education Attainment by Level & Gender
What is the highest level of education completed among adults

Education attainment

20,144
population 25 years and over
Total adults (25+)
Less than 9th grade
0.8%
9th-12th, no diploma
2.6%
HS graduate
20%
Some college no degree
14.4%
Associates degree
8.8%
Bachelors degree
30.2%
Graduate or professional degree
23.2%

Attainment by gender

Male vs Female
Adults (25+) · Share within each education level
% male · % female
Less than 9th grade
64.3% · 35.7%
9th-12th, no diploma
59.8% · 40.2%
HS graduate
50% · 50%
Some college no degree
48.6% · 51.4%
Associates degree
39.8% · 60.2%
Bachelors degree
51% · 49%
Graduate or professional degree
43.3% · 56.7%

Educational Attainment Overview

Distribution and key education attainment rates for adults (25+)
Highest credential completed · adults 25+
21015 Maryland United States
Population (25+) 20,144 4,301,335 230,807,303
Less than 9th grade 0.8% 4% 4.7%
9th–12th, no diploma 2.6% 4.8% 5.7%
High school diploma or GED 20% 23.4% 26%
Some college, no degree 14.4% 17.4% 19.1%
Associate's degree 8.8% 6.8% 8.8%
Bachelor's degree or higher 53.4% 43.4% 35.7%
Bachelor's degree 30.2% 22.7% 21.6%
Graduate or professional 23.2% 20.8% 14.1%
High School or higher 96.6% 91.1% 89.6%
Earnings by education level
percentage as applicable

Median Earnings

$82,606
Median earnings for adults 25+, by level
Less than HS graduate
$35,536
HS graduate
$52,457
Some college or associates
$59,974
Bachelors degree
$93,525
Graduate or professional degree
$107,566

Poverty Rate

2.4%
for ages 25+, with bachelors degree or higher
Less than HS graduate
5.9%
HS graduate
6.2%
Some college or associates
7.8%
Bachelors degree or higher
2.4%

Outcomes by Education Level

Earnings and poverty rates across education levels (25+)
Adults 25+
21015 Maryland United States
Median earnings
Population 25+, with earnings $82,606 $65,293 $52,696
Less than high school graduate $35,536 $35,487 $32,485
High school graduate (includes equivalency) $52,457 $45,113 $40,153
Some college or associate's degree $59,974 $54,823 $47,260
Bachelor's degree $93,525 $80,465 $70,044
Graduate or professional degree $107,566 $105,640 $90,720
Poverty rates
Less than high school graduate 5.9% 20.9% 24.2%
High school graduate (includes equivalency) 6.2% 12.6% 14.4%
Some college or associate's degree 7.8% 8.3% 9.8%
Bachelor's degree or higher 2.4% 3.5% 4.5%
Insights for 21015, by topic

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