Baltimore, MD (21209)

Baltimore, MD (ZIP 21209) sits in Baltimore County within the Baltimore-Columbia-Towson metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 5.8%. NCES lists 5 schools serving the area, 5 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $12,414. IRS data shows average household income (AGI) of $155,914, well above the ~$45K national average per return. Federal QCEW filings show 374,470 covered jobs in this ZIP's primary county — a major regional employment hub. FEMA has issued 25 federal disaster declarations affecting this ZIP since 1971 — a high-frequency exposure profile. Only 6.0% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. Fast-food restaurants outnumber grocery stores roughly 5-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. IRS migration data (2022-2023) shows a net loss of 5,407 residents (2,949 households) — the ZIP's primary county is shrinking. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $89,398, fair market rent of $2,060 for a two-bedroom, and a typical home value of $445,124, up 2.8% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

Demographics

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

Home values

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

Apartment construction (5+ unit buildings) accounts for 63% of new units this year — the area is densifying, not just adding single-family stock.

Aggregated from 2 counties touching this ZIP (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1947.4M across all reported brackets.

Business & employment

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

That is roughly 9% above the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Based on Baltimore County, MD data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Banking access

Based on FDIC-insured branch offices as of June 30, 2024.

Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.

Alternative-fuel stations

Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.

Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.

Social Vulnerability Index

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Air quality

Based on Baltimore County data (2024).

Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.

Community health profile

Low birth weight (under 2,500 g) accounts for 9.3% of live births in this county — an early-life health input that downstream outcomes track against.

Based on Baltimore data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Among low-income residents, 4.4% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in Baltimore County, MD for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Who’s moving in and out

Incoming households reported an average AGI of $66,503 versus departing households' $72,571.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Data sources used on this page

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Schools in this ZIP

5 schools serve this ZIP, including 5 non-charter.

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Colleges & universities nearby

• Bais HaMedrash and Mesivta of Baltimore

  Baltimore, MD · 21209

  4-Year

  In-state tuition

  $13,100

  Out-of-state tuition

  $13,100

  Acceptance rate

  100.0%

  Graduation rate

  21.3%

  Median earnings (10 yr)

  —

  Median student debt

  —

• Towson University

  Towson, MD · 21252

  4-Year

  In-state tuition

  $11,728

  Out-of-state tuition

  $29,820

  Acceptance rate

  82.0%

  Graduation rate

  68.6%

  Median earnings (10 yr)

  $64,390

  Median student debt

  $18,718

• Community College of Baltimore County

  Baltimore, MD · 21237

  2-Year

  In-state tuition

  $4,432

  Out-of-state tuition

  $11,010

  Acceptance rate

  —

  Graduation rate

  17.3%

  Median earnings (10 yr)

  $43,729

  Median student debt

  $11,528

• University of Maryland-Baltimore County

  Baltimore, MD · 21250

  4-Year

  In-state tuition

  $13,256

  Out-of-state tuition

  $31,275

  Acceptance rate

  72.4%

  Graduation rate

  70.3%

  Median earnings (10 yr)

  $69,960

  Median student debt

  $19,500

• Morgan State University

  Baltimore, MD · 21251

  4-Year

  In-state tuition

  $8,229

  Out-of-state tuition

  $19,124

  Acceptance rate

  82.2%

  Graduation rate

  41.2%

  Median earnings (10 yr)

  $50,698

  Median student debt

  $27,250

• Johns Hopkins University

  Baltimore, MD · 21218

  4-Year

  In-state tuition

  $65,230

  Out-of-state tuition

  $65,230

  Acceptance rate

  6.4%

  Graduation rate

  94.2%

  Median earnings (10 yr)

  $87,555

  Median student debt

  $10,250

• Loyola University Maryland

  Baltimore, MD · 21210

  4-Year

  In-state tuition

  $57,150

  Out-of-state tuition

  $57,150

  Acceptance rate

  75.5%

  Graduation rate

  79.8%

  Median earnings (10 yr)

  $82,652

  Median student debt

  $27,000

• Baltimore City Community College

  Baltimore, MD · 21215

  2-Year

  In-state tuition

  $3,314

  Out-of-state tuition

  $7,394

  Acceptance rate

  —

  Graduation rate

  14.2%

  Median earnings (10 yr)

  $36,025

  Median student debt

  —

• Coppin State University

  Baltimore, MD · 21216

  4-Year

  In-state tuition

  $7,100

  Out-of-state tuition

  $14,024

  Acceptance rate

  45.8%

  Graduation rate

  25.9%

  Median earnings (10 yr)

  $46,490

  Median student debt

  $25,000

• Maryland Institute College of Art

  Baltimore, MD · 21217

  4-Year

  In-state tuition

  $56,800

  Out-of-state tuition

  $56,800

  Acceptance rate

  76.8%

  Graduation rate

  71.8%

  Median earnings (10 yr)

  $45,212

  Median student debt

  $26,500

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Frequently Asked Questions — ZIP 21209

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