21520 ZIP Code — Accident, MD

Garrett County, Maryland

ZIP code 21520 is located in Accident, Maryland, within Garrett County. It covers approximately 56.69 square miles and serves a population of 2,056 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 301/240.

About ZIP code 21520

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $287,100. Owner-occupancy is high at 82%, well above the national average.

The gap between median ($67,708) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 20 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 21520 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,056

population

56.69

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21520 ZIP code map

Cities in ZIP code 21520

Below are the cities the US Postal Service accepts for ZIP code 21520. Using any city not on this list may result in mail delivery delays.

City	Status
Accident	Preferred

Nearby ZIP codes

21531 Friendsville (5.1 mi) 21522 Bittinger (5.5 mi) 21536 Grantsville (6.1 mi) 21541 Mc Henry (7.5 mi) 15411 Addison (9.1 mi) 15540 Fort Hill (11 mi) 21561 Swanton (11.5 mi) 15562 Springs (11.9 mi) 15459 Markleysburg (12.4 mi) 15424 Confluence (13.6 mi) 21521 Barton (13.8 mi) 21523 Bloomington (13.8 mi)

Demographics updated 05/2026

Population
Total population	2,056
Population density	36 / sq mi
State FIPS	24
County FIPS	023

Geography
Land area	56.69 sq mi
Water area	0.00 sq mi
Latitude	39.6390
Longitude	-79.3017
Timezone	Eastern (ET)
Area code	301/240

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.6%	46.4%	28.2%
$50k – $100k	36.8%	33.1%	28.2%
$100k – $200k	17.5%	14.5%	30.1%
Over $200k	7.1%	6.0%	13.4%

Demographics & statistics

2,056

Population

People per sq mi

42.0

Median age

$67,708

Median household income

$44,936

Per capita income

$287,100

Median home value

$720

Median monthly rent

82.1%

Home ownership

7.3%

Poverty rate

1.1%

Unemployment

863

Housing units

27.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

131

25–34

130

126

35–44

124

190

45–54

188

55–59

60–64

110

65–74

109

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	479	23.3%
18 and over	1,577	76.7%
65 and over	391	19.0%
Median age	42.0 years

Race & ethnicity

White 97.3%

Black or African American 2.2%

Two or more races 0.4%

Group	Count	%
White	2,000	97.3%
Black or African American	46	2.2%
Two or more races	8	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.6%	46.4%	28.2%
$50k – $100k	36.8%	33.1%	28.2%
$100k – $200k	17.5%	14.5%	30.1%
Over $200k	7.1%	6.0%	13.4%

Under $10k 2.0%

$10k–$15k 5.2%

$15k–$25k 6.5%

$25k–$35k 7.5%

$35k–$50k 9.4%

$50k–$75k 23.9%

$75k–$100k 14.8%

$100k–$150k 13.7%

$150k–$200k 7.7%

$200k+ 9.3%

Range	% of households
Under $10k	2.0%
$10k–$15k	5.2%
$15k–$25k	6.5%
$25k–$35k	7.5%
$35k–$50k	9.4%
$50k–$75k	23.9%
$75k–$100k	14.8%
$100k–$150k	13.7%
$150k–$200k	7.7%
$200k+	9.3%
Median income	$67,708

Housing

Home values

Under $50k 5.2%

$50k–$100k 3.5%

$100k–$150k 10.6%

$150k–$200k 14.7%

$200k–$300k 19.1%

$300k–$500k 36.2%

$500k–$1M 8.6%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$287,100
Median rent / month	$720
Owner occupied	82.1%
Renter occupied	17.9%
Vacant	15.2%
Single-family detached	79.5%
Large apartment buildings	6.5%
Mobile homes	8.5%
Median rooms	6.6
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.0%
2010–2019	2.0%
2000–2009	20.4%
1990–1999	13.8%
1980–1989	13.9%
1970–1979	10.5%
1960–1969	7.0%
1950–1959	9.8%
1940–1949	1.0%
1939 or earlier	21.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	11.9%
2 bedrooms	16.5%
3 bedrooms	44.9%
4 bedrooms	16.9%
5+ bedrooms	9.7%

Vehicles per household

Vehicles	% of households
No vehicle	9.2%
1 vehicle	14.4%
2 vehicles	53.4%
3 or more	23.1%

Heating fuel

Fuel type	%
Utility gas	0.5%
Electricity	21.6%
Propane / LP gas	17.6%
Fuel oil	35.6%
Wood	12.3%

Households & families

Household type	Count	%
Married-couple family	559	64.8%
Cohabiting couple	19	2.2%
Male householder, no spouse	143	16.6%
Female householder, no spouse	141	16.4%
Households with children under 18	270	31.3%
Households with seniors (65+)	324	37.6%
Average household size	2.38

Marital status

Status	Male	Female
Never married	26.7%	14.8%
Married	63.6%	66.5%
Separated	1.0%	0.3%
Widowed	3.5%	10.4%
Divorced	5.1%	8.0%

Education

Less than 9th grade 2.7%

Some HS, no diploma 4.9%

HS graduate 34.5%

Some college, no degree 18.4%

Associate's degree 12.2%

Bachelor's degree 12.6%

Graduate / professional 14.7%

Metric	%
HS diploma or higher	92.4%
Bachelor's or higher	27.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	43	9.9%
Kindergarten	20	4.6%
Elementary school	227	52.4%
High school	62	14.3%
College / grad school	81	18.7%

Employment

Industry of employment

Education & healthcare 20.0%

Construction 17.8%

Retail trade 11.4%

Professional & management 10.6%

Arts, food & hospitality 10.6%

Public administration 7.4%

Finance & real estate 6.5%

Transportation & utilities 5.2%

Manufacturing 4.2%

Other services 2.4%

Information 2.1%

Agriculture & mining 1.4%

Wholesale trade 0.4%

Occupation

Category	%
Management, business & arts	40.6%
Service	16.7%
Sales & office	20.1%
Natural resources & construction	9.4%
Production & transportation	13.2%

Employment type

Type	%
Private sector	70.1%
Government	25.1%
Self-employed	4.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.9%
Carpool	7.5%
Public transit	0.5%
Walk	0.0%
Work from home	15.2%
Other means	0.9%
Avg commute (minutes)	19.8

Poverty

All people 7.3%

Under 18 years 7.5%

18 and over 7.2%

Married-couple families 2.3%

Female-led households 7.9%

Income support

Source	% of households
Social Security	31.9%
Retirement income	26.2%
Supplemental Security	6.4%
Cash public assistance	2.0%
Food stamps / SNAP	12.4%

Health indicators

Condition	%
Obesity	32.7%
High blood pressure	35.6%
High cholesterol	34.5%
Diabetes	10.3%
Heart disease	7.0%
Stroke	3.1%
Asthma	10.0%
Arthritis	29.8%
Kidney disease	2.9%
Pulmonary disease	7.4%
Cancer	7.3%

Behavior / access	%
Smoking	17.4%
Binge drinking	15.5%
No physical activity	24.3%
Less than 7 hrs sleep	32.9%
Depression	21.3%
Fair or poor health	13.9%
Poor mental health	14.9%
Poor physical health	9.9%
No health insurance	10.2%
Visited doctor (checkup)	75.6%
Visited dentist	64.1%
Cholesterol screening	91.2%
Teeth loss	13.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	115	7.3%

Disability	%
Any disability	16.6%
Under 18	9.0%
18–64 years	14.9%
65 and over	31.3%

Health insurance coverage

Type	%
Private insurance	71.5%
Public insurance	38.5%
No insurance	1.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,923	93.5%
Spanish	1	0.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	1	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,030	98.7%
Born in same state	2,030	98.7%
Born in different state	1,182	57.5%
Foreign born	0	0.0%
Naturalized citizen	26	1.3%
Not a US citizen	1	3.8%

Ancestry

Ancestry	Count	%
Italian	128	6.2%
French	108	5.3%
Arab	82	4%

Ancestry	Count	%
Irish	38	1.8%
German	8	0.4%
Norwegian	5	0.2%

Technology access

Metric	% of households
Computer access	41.9%
Internet access	89.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 21520

What city is ZIP code 21520 in?

ZIP code 21520 is primarily assigned to Accident, Maryland.

What county is ZIP code 21520 in?

ZIP code 21520 falls within Garrett County, Maryland.

Is ZIP code 21520 mostly owner-occupied?

82% of occupied units in ZIP code 21520 are owner-occupied, well above the national average.

What is the population of ZIP code 21520?

ZIP code 21520 has an estimated population of 2,056 residents, with a density of 36 people per square mile.

What is the typical home value in ZIP code 21520?

The median home value in ZIP code 21520 is $287,100.

What is the median household income in ZIP code 21520?

The median household income in ZIP code 21520 is $67,708, below the national median of ~$75,000.

What timezone is ZIP code 21520 in?

ZIP code 21520 observes the EST timezone.