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State markets/Maryland/Wicomico County/ZIP area 21804

ZIP AREA · ZCTA 21804 · CENSUS 2020

ZIP area 21804

The 14 census tracts that make up ZIP Code Tabulation Area 21804 across 2 counties. Each tract opens its own lender ranking and its full HMDA record list.

Census tracts

14

7 counted under this ZIP

Counties

2

this ZIP crosses a county line

Population

32,576

of the tracts this ZIP owns

Owner-occupied units

5,437

9,469 1-4 family homes

Census tracts in ZIP area 21804

Every tract this ZIP area touches — sort, filter by population or overlap, export, or open a row for the tract's card. The RECORDS column opens that tract's HMDA records in the loan explorer, which is where a ZIP-scoped question becomes an exact one.

14 OF 14 TRACTSEVERY TRACT THIS ZIP AREA TOUCHES — NO ROWS WITHHELD
RECORDS
Wicomico County21804Most of this tract's land is inside 21804, so its population and housing count toward 21804.97.3%6,002MiddleOPEN →
Wicomico County21801This tract overlaps 21804 but sits mostly inside 21801, so it is counted there and not here.2.1%1,942UpperOPEN →
Wicomico County21801This tract overlaps 21804 but sits mostly inside 21801, so it is counted there and not here.2.2%4,244MiddleOPEN →
Wicomico County21804Most of this tract's land is inside 21804, so its population and housing count toward 21804.100.0%3,217ModerateOPEN →
Wicomico County21804Most of this tract's land is inside 21804, so its population and housing count toward 21804.64.3%7,349MiddleOPEN →
Wicomico County21804Most of this tract's land is inside 21804, so its population and housing count toward 21804.100.0%3,438MiddleOPEN →
Wicomico County21826This tract overlaps 21804 but sits mostly inside 21826, so it is counted there and not here.42.6%5,195MiddleOPEN →
Wicomico County21804Most of this tract's land is inside 21804, so its population and housing count toward 21804.100.0%3,459—OPEN →
Wicomico County21804Most of this tract's land is inside 21804, so its population and housing count toward 21804.100.0%4,839MiddleOPEN →
Wicomico County21875This tract overlaps 21804 but sits mostly inside 21875, so it is counted there and not here.19.1%8,052MiddleOPEN →
Wicomico County21874This tract overlaps 21804 but sits mostly inside 21874, so it is counted there and not here.0.4%5,230MiddleOPEN →
Wicomico County21804Most of this tract's land is inside 21804, so its population and housing count toward 21804.94.6%4,272UpperOPEN →
Wicomico County21849This tract overlaps 21804 but sits mostly inside 21849, so it is counted there and not here.20.2%4,240MiddleOPEN →
Worcester County21851This tract overlaps 21804 but sits mostly inside 21851, so it is counted there and not here.10.9%3,129MiddleOPEN →

Counties this ZIP area crosses

A ZCTA is drawn from address geography, not county lines, so a ZIP can and often does span two or more counties. 10,186 of the 33,791 ZCTAs do.

What a ZIP area is, and what it is not

A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land.

We publish no ZIP-level lending figure on this page, and the omission is deliberate. Summing tract originations into a ZIP would be an approximation dressed as a measurement: the boundary is areal, a tract that straddles two ZIPs has to be given to one of them, and HMDA never said the loan was in a ZIP in the first place. The lending figures live one level down, on each tract’s own page, where they are exactly what the lender reported.

Also checked and not used: FHA endorsement records carry a property ZIP, but they cover one loan programme rather than the market, and matching them to a county by name collides in Virginia, where “Richmond” is both a county and an independent city. We do not publish a figure we cannot attribute with certainty.

Go deeper

Step back up to the Wicomico County market profile, which lists every ZIP area in the county, or the Maryland state profile.

Sources: U.S. Census Bureau 2020 ZCTA-to-census-tract relationship file (zcta_tract_rel, 168,212 overlaps across 33,791 ZCTAs and 85,143 tracts, loaded 2026-08-02); FFIEC census-tract file; HMDA tract attributes. Housing figures are summed over the tracts this ZIP area is dominant for, so they match the county page’s row for the same ZIP exactly. Figures are as loaded — see data attribution.