Best Places21638, MD Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 21638, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
21638 ranks 8,229th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on fast internet by a wide margin, and taxes are the weak spot.
The best neighborhoods in 21638
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
21638's strengths and weaknesses
Where 21638 ranks high
- Internet speedBetter than 99% of zip codes
- Cost of living vs incomeBetter than 95% of zip codes
- Household income$140,710 median, better than 95% of zip codes
- Voter turnoutBetter than 88% of zip codes
- Big-city accessBetter than 88% of zip codes
Where 21638 ranks low
- Low income/sales/gas taxBetter than only 1% of zip codes
- State infrastructureBetter than only 6% of zip codes
- Disaster safetyBetter than only 7% of zip codes
- Short commute36.5 minutes each way, better than only 8% of zip codes
- State fiscal healthBetter than only 10% of zip codes
What it costs to buy a home in 21638
A household needs to earn about $138,000 a year to comfortably buy the median 21638 home, at 20% down and today's 30-year rate. That is below the area's own median income of $140,710, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 21638's effective rate of 0.59%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 21638
21638's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 21638.
Who works in 21638, and how
Work in 21638 centers on public administration and retail trade. Unemployment is low, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 74%
- Work from home 24%
- Transit, walk, or bike 2%
Life in 21638
21638 has more restaurants and bars per resident than 71% of zip codes. The coast is about 2 minutes away. That concentrates in some parts of 21638 and thins out in others, which the map shows.
What the weather is like in 21638, month by month
21638 sees roughly 95 pleasant days a year. July highs average about 90 degrees. January highs sit near 44, with lows near 31. The comfortable stretch runs April through June, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 44° | 37° | 31° |
| April | 67° | 57° | 49° |
| July | 90° | 81° | 74° |
| October | 70° | 62° | 55° |
Flying in and out of 21638
Baltimore/Washington International Thurgood Marshall sits about 30 miles away. It is a large hub and boarded 12.3 million passengers in 2025, with 114 nonstop destinations.
The best schools in and around 21638
Schools across 21638 average a B−, better than 61% of zip codes.
Top elementary schools
- Bayside Elementary SchoolB− · 41% proficient
- Grasonville Elementary SchoolC+ · 36% proficient
- St. Michaels ElementaryC− · 30% proficient
Top middle schools
- Matapeake Middle SchoolC · 35% proficient
- Stevensville Middle SchoolC− · 31% proficient
Top high schools
- Kent Island High SchoolA− · 66% proficient
- St. Michaels Middle/high SchoolB− · 45% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 21638 school and its grade on SchoolGrade.
21638 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 21638 against the other 33,109 zip codes.
Common questions about living in 21638
Is 21638 a good place to live?
Using BestNeighborhood's default rankings, 21638 ranks 8,229th of 33,110 zip codes. It scores highest on fast internet, what local pay buys, and high incomes, and lowest on taxes and state infrastructure. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 21638 expensive to live in?
The median home is worth $543,871. The overall cost of living runs about 2% above the national average. Set against a $140,710 median income, cost of living beats 95% of zip codes.
Is 21638 safe?
Yes, 21638 is safer than 76% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $251 per resident a year.
Compare 21638 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 21638. Scores are absolute rather than ranked, which means a 60 in 21638 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
21638 detail on BestNeighborhood maps:
- Walk Grade for 21638: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 21638: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 21638: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 21638: carrier by carrier coverage behind the cell score.
21638 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.