Zip code 21532: Frostburg, Maryland

Q: What city is zip code 21532?

21532 is assigned to Frostburg, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 21532 in?

21532 is mostly in Allegany County, but it extends into 1 other county.

Q: What is the population of 21532?

About 13,647 people live in 21532, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 21532?

The median household income in 21532 is $63,690.

Q: What zip codes are near 21532?

The closest zip codes to 21532 are 21543, 21539, 21528, 21542, 21521.

Residential delivery areaAllegany CountyEastern Time

Population

13,647

Median household income

$64K

U.S. $81K

Median home value

$182K

U.S. $333K

Median rent

$916/mo

U.S. $1,413

Median age

34.8

U.S. 38.9

Land area

74 sq mi

184 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 21532

21532 is a small-town zip code in Frostburg, Maryland (Allegany County), covering 74 sq mi of land. About 13,647 people live here, or 184 per square mile. The median resident is 34.8 years old, compared with 38.9 nationally.

The median household earns $63,690 a year, 21% below the national median of $80,734. 17% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $182,400, or 2.9 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 64% of occupied homes are lived in by their owners, and renters pay a median of $916 a month.

31% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 25.6 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in office and administrative support; sales; and education.

How 21532 compares

Sorted from highest to lowest national percentile

Government workers29.7%
98th
U.S. 14.5% · MD 22.5%68th of 444 in MD
Housing vacancy12.7%
81st
U.S. 10.1% · MD 7.7%99th of 441 in MD
Poverty rate17%
77th
U.S. 12.5% · MD 9.4%55th of 441 in MD
Unemployment rate5.6%
62nd
U.S. 5.2% · MD 4.9%124th of 444 in MD
Income inequality (Gini)0.440
54th
U.S. 0.483 · MD 0.456110th of 438 in MD
Residents 65 and older16.6%
50th
U.S. 17.2% · MD 16.7%266th of 446 in MD
Veterans5.8%
49th
U.S. 6.2% · MD 6.8%292nd of 446 in MD
Bachelor's degree or higher30.5%
47th
U.S. 35.7% · MD 43.4%278th of 445 in MD
Average commute25.6 min
47th
U.S. 26.4 min · MD 31.1 min353rd of 421 in MD
Homeownership rate63.7%
39th
U.S. 65.2% · MD 67.6%355th of 441 in MD
Tech workers2.3%
39th
U.S. 3.8% · MD 6.4%318th of 444 in MD
Work from home10.3%
36th
U.S. 15.1% · MD 19.3%329th of 444 in MD
Median earnings per worker$43,667
35th
U.S. $49,666 · MD $61,200376th of 443 in MD
Per capita income$32,801
27th
U.S. $44,673 · MD $52,979392nd of 446 in MD
Median household income$63,690
26th
U.S. $80,734 · MD $103,678371st of 414 in MD
Healthcare workers7.8%
25th
U.S. 9.7% · MD 9%230th of 444 in MD
Population13,647
21st
U.S. 334,922,499 · MD 6,206,011163rd of 446 in MD
Population density184/sq mi
20th
U.S. 95/sq mi · MD 639/sq mi303rd of 446 in MD
Median age34.8
20th
U.S. 38.9 · MD 39.4392nd of 446 in MD
Broadband access86.7%
18th
WeaknessU.S. 91% · MD 92.4%346th of 441 in MD
Median home value$182,400
17th
U.S. $332,700 · MD $419,900399th of 421 in MD
Foreign-born residents2.7%
16th
U.S. 14.1% · MD 16.6%328th of 446 in MD
Median gross rent$916
15th
U.S. $1,413 · MD $1,705309th of 338 in MD
Self-employed workers6.6%
15th
U.S. 10% · MD 8.7%322nd of 444 in MD
Diversity index20.9
14th
U.S. 61.4 · MD 67.7355th of 446 in MD
Residents under 1816.7%
13th
U.S. 22% · MD 22.2%358th of 446 in MD
Rent-burdened renters36.9%
11th
StrengthU.S. 51.1% · MD 51.5%306th of 404 in MD
Uninsured rate2.4%
8th
StrengthU.S. 8.4% · MD 6.3%300th of 444 in MD

Measure	21532	Allegany	MD	U.S.	National percentile	Rank in MD
Government workers	29.7%	22.7%	22.5%	14.5%	98th	68th of 444
Housing vacancy	12.7%	16.3%	7.7%	10.1%	81st	99th of 441
Poverty rate	17%	16.9%	9.4%	12.5%	77th	55th of 441
Unemployment rate	5.6%	5%	4.9%	5.2%	62nd	124th of 444
Income inequality (Gini)	0.440	0.439	0.456	0.483	54th	110th of 438
Residents 65 and older	16.6%	21.1%	16.7%	17.2%	50th	266th of 446
Veterans	5.8%	8.1%	6.8%	6.2%	49th	292nd of 446
Bachelor's degree or higher	30.5%	21.1%	43.4%	35.7%	47th	278th of 445
Average commute	25.6 min	22.7 min	31.1 min	26.4 min	47th	353rd of 421
Homeownership rate	63.7%	70.7%	67.6%	65.2%	39th	355th of 441
Tech workers	2.3%	2.6%	6.4%	3.8%	39th	318th of 444
Work from home	10.3%	9.1%	19.3%	15.1%	36th	329th of 444
Median earnings per worker	$43,667	$41,572	$61,200	$49,666	35th	376th of 443
Per capita income	$32,801	$31,210	$52,979	$44,673	27th	392nd of 446
Median household income	$63,690	$59,603	$103,678	$80,734	26th	371st of 414
Healthcare workers	7.8%	10.4%	9%	9.7%	25th	230th of 444
Population	13,647	67,452	6,206,011	334,922,499	21st	163rd of 446
Population density	184/sq mi	160/sq mi	639/sq mi	95/sq mi	20th	303rd of 446
Median age	34.8	41.2	39.4	38.9	20th	392nd of 446
Broadband accessWeakness	86.7%	84.9%	92.4%	91%	18th	346th of 441
Median home value	$182,400	$154,900	$419,900	$332,700	17th	399th of 421
Foreign-born residents	2.7%	2.1%	16.6%	14.1%	16th	328th of 446
Median gross rent	$916	$805	$1,705	$1,413	15th	309th of 338
Self-employed workers	6.6%	8.1%	8.7%	10%	15th	322nd of 444
Diversity index	20.9	25.7	67.7	61.4	14th	355th of 446
Residents under 18	16.7%	17.8%	22.2%	22%	13th	358th of 446
Rent-burdened rentersStrength	36.9%	43.6%	51.5%	51.1%	11th	306th of 404
Uninsured rateStrength	2.4%	3.8%	6.3%	8.4%	8th	300th of 444

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

12%

5–17

21%

18–24

12%

25–34

12%

35–44

45–54

13%

55–64

11%

65–74

75+

Median age

34.8

Under 18

16.7%

65 and over

16.6%

Race and ethnicity

White89%
Black6%
Hispanic2%
Asian2%
Native American0.0%
Pacific Islander0.0%
Other0.2%
Multiracial2%

Diversity index

20.9

U.S. 61.4

Foreign-born

2.7%

U.S. 14.1%

Born in state

72.2%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 5,511
Average household size: 2.2
Family households: 54.2%
Married couples: 41.9%
Living alone: 35.2%
Veterans (of adults): 5.8%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

21%

$25–50k

17%

$50–75k

17%

$75–100k

15%

$100–150k

18%

$150–200k

$200k+

Median household income

21532

$63,690

Allegany Co.

$59,603

Maryland

$103,678

United States

$80,734

Per capita income

$32,801

U.S. $44,673

Poverty rate

17%

U.S. 12.5%

Households earning $150K+

10.2%

U.S. 23%

Income inequality (Gini)

0.440

U.S. 0.483

Housing

Median home value

21532

$182,400

Allegany Co.

$154,900

Maryland

$419,900

United States

$332,700

Median gross rent

21532

$916

Allegany Co.

$805

Maryland

$1,705

United States

$1,413

Types of housing

Single-family

72%

2–4 units

5–19 units

10%

20+ units

Mobile home

Boat, RV, van

Housing units: 6,316
Owner-occupied: 63.7%
Vacant: 12.7%
Median year built: 1963
Median rooms: 5.9
Renters paying 30%+ of income: 36.9%
Renters paying 50%+ of income: 17.4%
Home value to income: 2.9× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

79%

Carpooled

Transit

0.5%

Walked

Bicycle

0.1%

Worked from home

10%

Other

0.4%

Commute time (one way)

<10 min

16%

10–19

32%

20–29

27%

30–44

13%

45–59

60+

Average commute

25.6 min

U.S. 26.4 min

Unemployment

5.6%

U.S. 5.2%

In labor force

55.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

11%

Sales

10%

Education

10%

Food service

Management

Construction and repair

Healthcare

Transportation and moving

Police and fire

Business and finance

Cleaning and personal care

Legal and social services

Engineering and science

Arts, media and sports

Production

Computer and math

Farming, fishing and forestry

0.5%

Industries

Education

16%

Health care and social assistance

14%

Retail

11%

Public administration

11%

Restaurants and hotels

10%

Professional and technical services

Manufacturing

Construction

Transportation, warehousing and utilities

Other services

Finance, insurance and real estate

Admin, support and management

Wholesale

Agriculture and mining

0.7%

Information

0.6%

Arts and recreation

0.5%

Median earnings per worker

$43,667

U.S. $49,666

Self-employed

6.6%

U.S. 10%

Government workers

29.7%

U.S. 14.5%

Nonprofit workers

9.3%

U.S. 8.8%

Median earnings by type of work

Type of work	21532	U.S.
Management, business, science and arts	$62,324	$74,888
Service	$21,383	$26,804
Sales and office	$36,517	$40,476
Construction and maintenance	$40,993	$49,199
Production and transportation	$45,201	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

36%

Some college

16%

Associate's

10%

Bachelor's

17%

Graduate

14%

High school graduate or higher: 92.5%
Bachelor's degree or higher: 30.5%
Graduate or professional degree: 13.5%
Households with broadband: 86.7%
Cable, fiber or DSL: 74.5%
No internet access: 10.3%
Without health insurance: 2.4%
Limited-English households: 0.7%

Geography

City (USPS): Frostburg
State: Maryland
County: Allegany County
Center point: 39.6491° N, 78.9847° W
Land area: 74 sq mi
Water area: 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

21532 spans 2 counties

Allegany County55% of land
Garrett County46% of land

Cities and towns within this zip

Finzel (unincorporated)5% of zip
Frostburg5% of zip
Eckhart Mines (unincorporated)2% of zip
Zihlman (unincorporated)2% of zip
Vale Summit (unincorporated)1% of zip
Shaft (unincorporated)1% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 21532

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
21543	Midlothian, MD	1.3 mi	185	—	$190,200
21539	Lonaconing, MD	3.9 mi	1,975	$57,708	$130,200
21528	Eckhart Mines, MD · PO box	4.4 mi	—	—	—
21542	Midland, MD	4.4 mi	84	—	$103,100
21521	Barton, MD	7.6 mi	1,400	$64,194	$107,500
21545	Mount Savage, MD	7.9 mi	1,694	$60,264	$130,700
21505	Cumberland, MD · PO box	8.4 mi	—	—	—
15532	Boynton, PA	8.8 mi	107	—	$86,200
15562	Springs, PA	9.1 mi	344	$84,844	$167,000
21556	Pinto, MD · PO box	9.2 mi	—	—	—
21557	Rawlings, MD	9.2 mi	1,481	$34,936	$123,300
15558	Salisbury, PA	9.3 mi	1,960	$64,038	$142,000

Zip codes like 21532 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 21532

What city is zip code 21532?

21532 is assigned to Frostburg, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 21532 in?

21532 is mostly in Allegany County, but it extends into 1 other county.

What is the population of 21532?

About 13,647 people live in 21532, according to the Census Bureau's American Community Survey.

What time zone is 21532 in?

21532 is in Eastern Time.

What is the median household income in 21532?

The median household income in 21532 is $63,690.

What zip codes are near 21532?

The closest zip codes to 21532 are 21543, 21539, 21528, 21542, 21521.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 21532, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.