21532 ZIP Code — Frostburg, MD

Allegany County, Maryland

ZIP code 21532 is located in Frostburg, Maryland, within Allegany County. It covers approximately 74.13 square miles and serves a population of 13,229 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 301/240.

About ZIP code 21532

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $156,900. Owner-occupancy sits near the national average at 67%.

Median household income is $55,761. Poverty affects 18% of residents, above the national average. SNAP benefit usage at 18% of households reflects economic stress in the area. 35% 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 22 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

Overall, ZIP code 21532 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

13,229

population

74.13

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21532 ZIP code map

Cities in ZIP code 21532

Below are the cities the US Postal Service accepts for ZIP code 21532. Using any city not on this list may result in mail delivery delays.

City	Status
Frostburg	Preferred

Nearby ZIP codes

21539 Lonaconing (4.5 mi) 21545 Mount Savage (5.7 mi) 21521 Barton (7.8 mi) 26753 Ridgeley (8.6 mi) 21557 Rawlings (9.1 mi) 21502 Cumberland (9.6 mi) 26767 Wiley Ford (10.1 mi) 15558 Salisbury (10.8 mi) 21562 Westernport (11.4 mi) 15562 Springs (11.8 mi) 15552 Meyersdale (12.1 mi) 21523 Bloomington (12.4 mi)

Demographics updated 07/2026

Population
Total population	13,229
Population density	178 / sq mi
State FIPS	24
County FIPS	001

Geography
Land area	74.13 sq mi
Water area	0.08 sq mi
Latitude	39.6408
Longitude	-78.9456
Timezone	Eastern (ET)
Area code	301/240

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.5%	49.9%	28.2%
$50k – $100k	31.7%	33.2%	28.2%
$100k – $200k	15.4%	14.9%	30.1%
Over $200k	1.4%	2.0%	13.4%

Demographics & statistics

13,229

Population

178

People per sq mi

33.5

Median age

$55,761

Median household income

$28,271

Per capita income

$156,900

Median home value

$763

Median monthly rent

66.5%

Home ownership

18.0%

Poverty rate

6.4%

Unemployment

4,262

Housing units

29.0%

Bachelor's or higher

Age distribution

Male Female

272

Under 5

274

325

5–9

327

343

10–14

344

784

15–19

788

997

20–24

1,003

649

25–34

653

733

35–44

736

510

45–54

512

415

55–59

417

424

60–64

426

742

65–74

746

290

75–84

291

114

85+

114

← Male

Female →

Age summary

Group	Count	%
Under 18	2,232	16.9%
18 and over	10,997	83.1%
65 and over	2,297	17.4%
Median age	33.5 years

Race & ethnicity

White 86.3%

Black or African American 7.1%

Two or more races 2.3%

Asian 1.8%

Hispanic or Latino 1.7%

Other race 0.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	11,616	86.3%
Black or African American	955	7.1%
Two or more races	314	2.3%
Asian	242	1.8%
Hispanic or Latino	235	1.7%
Other race	81	0.6%
American Indian / Alaska Native	18	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.5%	49.9%	28.2%
$50k – $100k	31.7%	33.2%	28.2%
$100k – $200k	15.4%	14.9%	30.1%
Over $200k	1.4%	2.0%	13.4%

Under $10k 6.9%

$10k–$15k 8.2%

$15k–$25k 8.6%

$25k–$35k 9.8%

$35k–$50k 12.8%

$50k–$75k 18.2%

$75k–$100k 9.6%

$100k–$150k 17.6%

$150k–$200k 5.7%

$200k+ 2.7%

Range	% of households
Under $10k	6.9%
$10k–$15k	8.2%
$15k–$25k	8.6%
$25k–$35k	9.8%
$35k–$50k	12.8%
$50k–$75k	18.2%
$75k–$100k	9.6%
$100k–$150k	17.6%
$150k–$200k	5.7%
$200k+	2.7%
Median income	$55,761

Housing

Home values

Under $50k 8.8%

$50k–$100k 22.8%

$100k–$150k 15.7%

$150k–$200k 15.1%

$200k–$300k 23.0%

$300k–$500k 10.2%

$500k–$1M 4.2%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$156,900
Median rent / month	$763
Owner occupied	66.5%
Renter occupied	33.5%
Vacant	15.8%
Single-family detached	68.4%
Large apartment buildings	3.9%
Mobile homes	4.6%
Median rooms	5.8
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.5%
2010–2019	2.6%
2000–2009	6.5%
1990–1999	7.5%
1980–1989	10.4%
1970–1979	12.5%
1960–1969	12.8%
1950–1959	9.1%
1940–1949	7.5%
1939 or earlier	30.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	6.7%
2 bedrooms	28.3%
3 bedrooms	48.0%
4 bedrooms	12.7%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	7.8%
1 vehicle	37.7%
2 vehicles	28.4%
3 or more	26.1%

Heating fuel

Fuel type	%
Utility gas	42.8%
Electricity	29.6%
Propane / LP gas	7.0%
Fuel oil	12.5%
Wood	3.6%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	2,103	42.0%
Cohabiting couple	396	7.9%
Male householder, no spouse	924	18.5%
Female householder, no spouse	1,582	31.6%
Households with children under 18	1,319	26.4%
Households with seniors (65+)	1,609	32.1%
Average household size	2.28

Marital status

Status	Male	Female
Never married	45.8%	41.2%
Married	41.6%	34.9%
Separated	0.8%	2.5%
Widowed	3.4%	8.2%
Divorced	8.4%	13.1%

Education

Less than 9th grade 0.7%

Some HS, no diploma 6.9%

HS graduate 37.0%

Some college, no degree 15.5%

Associate's degree 10.9%

Bachelor's degree 14.4%

Graduate / professional 14.6%

Metric	%
HS diploma or higher	92.4%
Bachelor's or higher	29.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	75	1.6%
Kindergarten	170	3.6%
Elementary school	1,086	23.1%
High school	448	9.5%
College / grad school	2,927	62.2%

Employment

Industry of employment

Education & healthcare 29.3%

Arts, food & hospitality 14.7%

Retail trade 10.5%

Public administration 9.4%

Manufacturing 8.1%

Transportation & utilities 7.0%

Professional & management 5.6%

Construction 5.2%

Finance & real estate 3.9%

Other services 3.1%

Agriculture & mining 1.3%

Wholesale trade 1.2%

Information 0.8%

Occupation

Category	%
Management, business & arts	34.8%
Service	24.3%
Sales & office	20.3%
Natural resources & construction	8.6%
Production & transportation	12.0%

Employment type

Type	%
Private sector	69.3%
Government	28.1%
Self-employed	2.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.9%
Carpool	6.8%
Public transit	0.9%
Walk	6.1%
Work from home	5.0%
Other means	0.2%
Avg commute (minutes)	21.8

Poverty

All people 18.0%

Under 18 years 10.1%

18 and over 19.7%

Married-couple families 3.8%

Female-led households 36.5%

Income support

Source	% of households
Social Security	35.2%
Retirement income	28.9%
Supplemental Security	5.8%
Cash public assistance	3.5%
Food stamps / SNAP	18.3%

Health indicators

Condition	%
Obesity	30.8%
High blood pressure	31.9%
High cholesterol	27.8%
Diabetes	8.8%
Heart disease	5.8%
Stroke	2.8%
Asthma	11.0%
Arthritis	24.0%
Kidney disease	2.7%
Pulmonary disease	6.7%
Cancer	6.1%

Behavior / access	%
Smoking	15.7%
Binge drinking	15.7%
No physical activity	23.5%
Less than 7 hrs sleep	32.6%
Depression	24.0%
Fair or poor health	13.6%
Poor mental health	17.0%
Poor physical health	9.2%
No health insurance	10.9%
Visited doctor (checkup)	76.4%
Visited dentist	61.1%
Cholesterol screening	86.6%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	790	7.2%

Disability	%
Any disability	13.6%
Under 18	4.3%
18–64 years	12.2%
65 and over	29.4%

Health insurance coverage

Type	%
Private insurance	74.5%
Public insurance	40.1%
No insurance	2.5%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,683	95.9%
Spanish	151	1.2%
Other Indo-European	19	0.1%
Asian & Pacific Islander	3	0.0%
Other languages	129	1.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,876	97.3%
Born in same state	12,765	96.5%
Born in different state	9,499	71.8%
Foreign born	111	0.8%
Naturalized citizen	353	2.7%
Not a US citizen	179	50.7%

Ancestry

Ancestry	Count	%
Italian	1,642	12.4%
French	1,268	9.6%
Arab	465	3.5%
English	76	0.6%
Polish	62	0.5%

Ancestry	Count	%
Irish	50	0.4%
Norwegian	18	0.1%
German	9	0.1%
Dutch	2	0%

Technology access

Metric	% of households
Computer access	37.8%
Internet access	89.9%

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

Frequently asked questions about ZIP code 21532

What city is ZIP code 21532 in?

ZIP code 21532 is primarily assigned to Frostburg, Maryland.

What county is ZIP code 21532 in?

ZIP code 21532 falls within Allegany County, Maryland.

What is the poverty rate in ZIP code 21532?

18% of residents in ZIP code 21532 live below the poverty line, above the national average.

Does ZIP code 21532 have a large retiree population?

35% of households in ZIP code 21532 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 21532?

The median home value in ZIP code 21532 is $156,900.

What is the population of ZIP code 21532?

ZIP code 21532 has an estimated population of 13,229 residents, with a density of 178 people per square mile.

What timezone is ZIP code 21532 in?

ZIP code 21532 observes the EST timezone.