21545 ZIP Code — Mount Savage, MD

Allegany County, Maryland

ZIP code 21545 is located in Mount Savage, Maryland, within Allegany County. It covers approximately 15.91 square miles and serves a population of 1,693 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 240/301.

About ZIP code 21545

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 $107,900. Owner-occupancy is high at 79%, well above the national average.

Median household income is $58,250. 50% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 21545 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,693
population
15.91
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
21545 ZIP code map
Cities in ZIP code 21545

Below are the cities the US Postal Service accepts for ZIP code 21545. Using any city not on this list may result in mail delivery delays.

City Status
Mount Savage Preferred
Nearby ZIP codes
21532 Frostburg (5.7 mi) 21502 Cumberland (6.7 mi) 26767 Wiley Ford (7.6 mi) 15545 Hyndman (8.7 mi) 26753 Ridgeley (9.1 mi) 21539 Lonaconing (10.2 mi) 15552 Meyersdale (11.1 mi) 15538 Fairhope (12 mi) 15558 Salisbury (12.6 mi) 21557 Rawlings (13 mi) 21521 Barton (13.5 mi) 15562 Springs (14.3 mi)
Demographics updated 06/2026
Population
Total population 1,693
Population density 106 / sq mi
State FIPS 24
County FIPS 001
Geography
Land area 15.91 sq mi
Water area 0.01 sq mi
Latitude 39.6918
Longitude -78.8620
Timezone Eastern (ET)
Area code 240/301
Total population by age
Gender
Race & ethnicity
Economics updated 06/2026
Household income
Income range This ZIP County avg State avg
Under $50k 52.2% 49.9% 28.2%
$50k – $100k 28.1% 33.2% 28.2%
$100k – $200k 17.1% 14.9% 30.1%
Over $200k 2.6% 2.0% 13.4%

Demographics & statistics

1,693
Population
106
People per sq mi
51.3
Median age
$58,250
Median household income
$35,917
Per capita income
$107,900
Median home value
$734
Median monthly rent
79.1%
Home ownership
16.2%
Poverty rate
12.6%
Unemployment
682
Housing units
14.4%
Bachelor's or higher

Age distribution

Male Female
32
Under 5
34
11
5–9
12
34
10–14
37
20
15–19
22
40
20–24
43
116
25–34
127
76
35–44
83
145
45–54
157
44
55–59
48
95
60–64
104
142
65–74
154
42
75–84
45
14
85+
16
← Male
Female →

Age summary

GroupCount%
Under 1818410.9%
18 and over1,50989.1%
65 and over41324.4%
Median age51.3 years

Race & ethnicity

White 94.4%
Two or more races 3.4%
Hispanic or Latino 1.3%
Black or African American 0.4%
American Indian / Alaska Native 0.3%
Native Hawaiian / Pacific Islander 0.1%
GroupCount%
White1,62094.4%
Two or more races593.4%
Hispanic or Latino231.3%
Black or African American70.4%
American Indian / Alaska Native50.3%
Native Hawaiian / Pacific Islander20.1%

Household income

Income range This ZIP County avg State avg
Under $50k 52.2% 49.9% 28.2%
$50k – $100k 28.1% 33.2% 28.2%
$100k – $200k 17.1% 14.9% 30.1%
Over $200k 2.6% 2.0% 13.4%
Under $10k 8.6%
$10k–$15k 5.2%
$15k–$25k 4.9%
$25k–$35k 14.9%
$35k–$50k 13.5%
$50k–$75k 8.8%
$75k–$100k 12.3%
$100k–$150k 25.6%
$150k–$200k 2.5%
$200k+ 3.7%
Range% of households
Under $10k8.6%
$10k–$15k5.2%
$15k–$25k4.9%
$25k–$35k14.9%
$35k–$50k13.5%
$50k–$75k8.8%
$75k–$100k12.3%
$100k–$150k25.6%
$150k–$200k2.5%
$200k+3.7%
Median income$58,250

Housing

Home values

Under $50k 5.9%
$50k–$100k 39.4%
$100k–$150k 16.8%
$150k–$200k 13.0%
$200k–$300k 9.3%
$300k–$500k 7.6%
$500k–$1M 5.5%
$1M+ 2.4%

Housing overview

MetricValue
Median home value$107,900
Median rent / month$734
Owner occupied79.1%
Renter occupied20.9%
Vacant12.5%
Single-family detached83.5%
Large apartment buildings0.6%
Mobile homes6.3%
Median rooms6.4
Avg household size (owned)2.28

Year built

Era%
2020 or later0.0%
2010–20193.1%
2000–20091.3%
1990–199911.7%
1980–19892.5%
1970–19795.4%
1960–196916.9%
1950–19594.6%
1940–19498.6%
1939 or earlier45.9%

Bedrooms

Size% of units
No bedroom (studio)1.4%
1 bedroom9.8%
2 bedrooms21.1%
3 bedrooms38.4%
4 bedrooms28.6%
5+ bedrooms0.6%

Vehicles per household

Vehicles% of households
No vehicle10.8%
1 vehicle25.9%
2 vehicles38.3%
3 or more25.0%

Heating fuel

Fuel type%
Utility gas28.9%
Electricity12.7%
Propane / LP gas3.8%
Fuel oil29.4%
Wood13.4%

Households & families

Household typeCount%
Married-couple family36349.7%
Cohabiting couple527.1%
Male householder, no spouse15020.5%
Female householder, no spouse16622.7%
Households with children under 1810113.8%
Households with seniors (65+)29039.7%
Average household size2.32

Marital status

StatusMaleFemale
Never married23.1%28.8%
Married53.2%47.9%
Separated3.6%0.5%
Widowed4.0%3.6%
Divorced16.1%19.2%

Education

Less than 9th grade 6.3%
Some HS, no diploma 4.0%
HS graduate 58.9%
Some college, no degree 11.4%
Associate's degree 5.0%
Bachelor's degree 6.7%
Graduate / professional 7.7%
Metric%
HS diploma or higher89.7%
Bachelor's or higher14.4%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool52.8%
Kindergarten00.0%
Elementary school6536.9%
High school3017.0%
College / grad school7643.2%

Employment

Industry of employment

Retail trade 25.1%
Education & healthcare 17.6%
Other services 10.5%
Construction 8.6%
Manufacturing 8.2%
Transportation & utilities 6.5%
Finance & real estate 5.3%
Arts, food & hospitality 4.7%
Public administration 4.7%
Professional & management 4.6%
Wholesale trade 4.2%

Occupation

Category%
Management, business & arts23.0%
Service10.3%
Sales & office36.7%
Natural resources & construction8.6%
Production & transportation21.4%

Employment type

Type%
Private sector75.1%
Government19.6%
Self-employed5.3%
Unpaid family workers0.0%

Commute

Method%
Drive alone82.5%
Carpool11.3%
Public transit0.0%
Walk0.0%
Work from home5.4%
Other means0.7%
Avg commute (minutes)23.3

Poverty

All people 16.2%
Under 18 years 32.6%
18 and over 14.2%
Married-couple families 11.0%
Female-led households 16.1%

Income support

Source% of households
Social Security49.7%
Retirement income33.0%
Supplemental Security14.9%
Cash public assistance1.6%
Food stamps / SNAP13.0%

Health indicators

Condition%
Obesity34.5%
High blood pressure39.4%
High cholesterol31.3%
Diabetes11.5%
Heart disease7.6%
Stroke3.7%
Asthma10.7%
Arthritis30.9%
Kidney disease3.3%
Pulmonary disease8.8%
Cancer7.7%
Behavior / access%
Smoking19.9%
Binge drinking14.5%
No physical activity26.4%
Less than 7 hrs sleep33.7%
Depression24.3%
Fair or poor health16.2%
Poor mental health15.9%
Poor physical health11.3%
No health insurance11.0%
Visited doctor (checkup)77.4%
Visited dentist59.5%
Cholesterol screening90.6%
Teeth loss15.3%

Veterans & disability

VeteransCount%
Civilian veterans956.3%
Disability%
Any disability20.1%
Under 1816.3%
18–64 years14.3%
65 and over37.0%

Health insurance coverage

Type%
Private insurance63.9%
Public insurance52.7%
No insurance2.8%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,62796.1%
Spanish201.2%
Other Indo-European00.0%
Asian & Pacific Islander00.0%
Other languages201.2%

Place of birth & citizenship

OriginCount%
Native born (US)1,64697.2%
Born in same state1,63996.8%
Born in different state1,28075.6%
Foreign born70.4%
Naturalized citizen472.8%
Not a US citizen2144.7%

Ancestry

AncestryCount%
Italian26915.9%
French23013.6%
Arab482.8%
AncestryCount%
English412.4%
Irish30.2%

Technology access

Metric% of households
Computer access43.2%
Internet access87.4%

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

Frequently asked questions about ZIP code 21545

What city is ZIP code 21545 in?

ZIP code 21545 is primarily assigned to Mount Savage, Maryland.

What county is ZIP code 21545 in?

ZIP code 21545 falls within Allegany County, Maryland.

Does ZIP code 21545 have a large retiree population?

50% of households in ZIP code 21545 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 21545?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 21545?

16% of residents in ZIP code 21545 live below the poverty line, above the national average.

What is the typical home value in ZIP code 21545?

The median home value in ZIP code 21545 is $107,900.

What timezone is ZIP code 21545 in?

ZIP code 21545 observes the EST timezone.

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