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Area data

Frostburg, MD — ZIP 21532

Population: 13,647 (Census ACS)

The median home value in ZIP 21532 (Frostburg, MD) is $183,280 — up 4.2% over the past year. Homes sell for a median $165,000 after a median 67 days on market. Typical rent runs $800/month. 4 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with inlandflooding, landslide, strongwind the top-rated hazards. Cost of living is 8.0% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$183,280

Median home value

+4.2%

1-year change

67

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$183,280
1-year appreciation
+4.2%
3-year appreciation
+14.0%
5-year appreciation
+26.7%
10-year appreciation
+71.5%
All-time peak (2026-07)
$183,280
House Price Index (state)
367.5 (+0.7% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$165,000
Median list price
$202,500
Median price per sqft
$117
1-year sale-price change
+9.0%
Median days on market
67 days
Homes sold (recent period)
17
For-sale inventory
61
Sale-to-list ratio
101.9%
Active listings
65
1-year forecast
+0.6%
New listings (monthly)
20

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$800/mo
Studio fair-market rent
$1,150/mo
1BR fair-market rent
$1,437/mo
2BR fair-market rent
$1,704/mo
3BR fair-market rent
$2,216/mo
4BR fair-market rent
$2,557/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average)
108.0 (100 = US avg)
Electricity rate (state-level)
19.5¢/kWh
Natural gas rate (state-level)
$16.10/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
4
Elementary schools
3
Middle schools
0
High schools
1
School districts serving the area
Allegany County Public Schools, Garrett County Public Schools
Schools include
Beall Elementary, Frost Elementary, Mountain Ridge High School, Route 40 Elementary

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
inlandFlooding, landslide, strongWind, winterWeather
Notable hazard ratings (county)
drought: Relatively Low · hail: Relatively Low · heatWave: Relatively Low · hurricane: Relatively Low · iceStorm: Relatively Low · inlandFlooding: Relatively Moderate
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 42% of US counties
Buildings in wildfire direct-exposure zone
52.2%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Allegany Ballistics Laboratory (USNAVY) (9.7 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
54.0°F
Average high
65.0°F
Average low
44.0°F
Annual precipitation
40.8 in
Annual snowfall
30.8 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
10.8 / 20
Transit service frequency
841
Jobs reachable by car (30 min)
7,127
Jobs reachable by transit (45 min)
7,490

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
6
Nearest national park
Flight 93 National Memorial (29 mi)
National parks include
Flight 93 National Memorial, Fort Necessity National Battlefield, Johnstown Flood National Memorial
Airports within 30 mi
17
Nearest airport
Moran Field (11 mi)
Hospitals nearby (~15 mi)
3
Hospitals include
WESTERN MARYLAND REGIONAL MEDICAL CENTER, THOMAS B FINAN CENTER, POTOMAC VALLEY HOSPITAL
Avg hospital rating (CMS)
4.0 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (3.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+39 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,963
Housing built before 1970
58.3%
Housing built 2000 or later
11.5%
Median annual property tax
$1,794
Mean commute to work
23 min
Households with broadband internet
74.5%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
20,824
Average weekly wage
$876
Top industries (by employment)
Health Care, Accommodation & Food, Wholesale Trade
Annual residential building permits (county)
29

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 21532State medianUS median
Median home value$183,280$452,533$289,727
Median sale price$165,000$450,000$325,000
Median days on market67 days40 days51 days
Typical rent$800/mo$2,002/mo$1,808/mo
Median annual property tax$1,794$3,862$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 21532?
$183,280.
What is the median sale price in ZIP 21532?
$165,000.
How long do homes take to sell in ZIP 21532?
Median days on market: 67 days.
What is typical rent in ZIP 21532?
Typical rent: $800/month.
What is the natural-hazard risk in ZIP 21532?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: inlandFlooding, landslide, strongWind, winterWeather.
Is ZIP 21532 in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in ZIP 21532?
Risk to homes is higher than 42% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 21532?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 21532?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 21532?
4 schools (3 elementary, 1 high) (NCES, 2022-23).
Is ZIP 21532 walkable?
Walkability index: 10.8/20 (EPA Smart Location Database).
What is the cost of living in ZIP 21532?
Regional Price Parity: 108.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

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