Cumberland, MD · standard

ZIP Code 21502

Allegany County, Maryland — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

44,400
191/sq mi
$60,725
Median income
$153,700
Median home value
19.9%
Bachelor's or higher

The verdict

Cumberland pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

30th pct
household income, US ZIPs
27th pct
home value, US ZIPs
191
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21502 against every reporting US ZIP.

ZIP code 21502 is classified by USPS as a standard delivery area and covers roughly 232.1 square miles in Cumberland, Allegany County, Maryland. The area is home to 44,400 residents, producing a population density of 191 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 21502 against Maryland and the nation.

On the economic side, the median household income for ZIP 21502 sits at $60,725 (47% below the Maryland average), while per-capita income is $31,252. The poverty rate stands at 16.2% and the unemployment rate at 4.4%. On housing, the median home value is $153,700 (66% below the state average) with median rent at $773 per month, and 72.0% of occupied units are owner-occupied, a direct signal of whether 21502 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 19.9% of adults hold a bachelor's degree or higher, the median age is 42.8, and the average commute is 20 minutes. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Allegany County, so you can benchmark 21502 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 21502

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 21502.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 21502, Cumberland, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

44,400

Population

232.1

Area (sq mi)

191

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 21502?

42.8

Median Age

55.5%

Male

44.5%

Female

2.2%

Foreign-Born

White 82.9%
African American 9.2%
Asian 0.9%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 5.9%
Hispanic or Latino 2.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$60,725

Median Household Income

-47% vs state

$31,252

Per Capita Income

16.2%

Poverty Rate

4.4%

Unemployment Rate

20.2 min

Mean Commute Time

How ZIP 21502 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$60,725 30th percentile higher than 30% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 59.9%
Bachelor's Degree or Higher 19.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

19,416

Total Housing Units

16,268

Occupied Units

3,148

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 72.0%
Renter 28.0%

$153,700

Median Home Value

-66% vs state

$773

Median Rent

1957

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+7.8%

YoY Change (2024)

208

HPI Index (2000 = 100)

+108%

Total Change Since 2000

Home values in ZIP 21502 have increased 7.8% over the past year (2024). Since 2000, this ZIP has seen +108% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.0% 145
2021 +8.1% 157
2022 +14.6% 180
2023 +7.0% 193
2024 +7.8% 208

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,015 business establishments in ZIP 21502, employing approximately 17,056 people with a combined annual payroll of $797,877,000.

1,015

Businesses

17,056

Employees

$797.9M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 208 20.5%
Retail trade 181 17.8%
Other services (except public administration) 137 13.5%
Accommodation and food services 100 9.8%
Finance and insurance 62 6.1%
Professional, scientific, and technical services 60 5.9%
Construction 56 5.5%
Wholesale trade 38 3.7%
Manufacturing 31 3.0%
Real estate and rental and leasing 31 3.0%
Administrative and support and waste management and remediation services 31 3.0%
Transportation and warehousing 26 2.6%
Information 24 2.4%
Arts, entertainment, and recreation 13 1.3%
Educational services 7 0.7%
Utilities 6 0.6%
Management of companies and enterprises 4 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 21502 vs 26767 →

ZIP 21502 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 21502 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 21502 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 21502 ranks #5 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
26767 Wiley Ford, WV 768 2.0 mi
21529 Ellerslie, MD 631 4.4 mi
21524 Corriganville, MD 626 5.0 mi
26753 Ridgeley, WV 6,254 5.8 mi
15545 Hyndman, PA 2,879 9.7 mi
21545 Mount Savage, MD 1,940 7.0 mi
15564 Wellersburg, PA 50 7.4 mi
26722 Green Spring, WV 599 11.5 mi

More ZIP Codes in Allegany County

Frequently Asked Questions

What county is ZIP code 21502 in?
ZIP code 21502 (Cumberland) is located in Allegany County, Maryland. Allegany County contains multiple ZIP codes, see the full list at /counties/allegany-md.
What is the population of ZIP code 21502?
ZIP code 21502 in Cumberland, MD has a population of 44,400 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21502?
The median household income in ZIP 21502 is $60,725, which is 20% below the national average of $76,288.
What is the average home value in ZIP 21502?
The median home value in ZIP 21502 is $153,700, which is 45% below the national average of $278,155.
What is the demographic makeup of ZIP 21502?
The largest racial group in ZIP 21502 is White at 82.9%. Hispanic or Latino residents make up 2.4% of the population.
How many businesses are in ZIP code 21502?
ZIP code 21502 has 1,015 business establishments employing approximately 17,056 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21502?
The top industries by establishment count in ZIP 21502 are: Health care and social assistance (208), Retail trade (181), Other services (except public administration) (137). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 21502?
According to the FHFA House Price Index, home values in ZIP 21502 increased by 7.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 108%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 21502?
In ZIP code 21502, 59.9% of residents aged 25+ have a high school diploma or higher, and 19.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 21502?
The mean commute time for workers in ZIP code 21502 is 20.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 21502?
In ZIP code 21502, approximately 72.0% of occupied housing units are owner-occupied and 28.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21502?
The poverty rate in ZIP code 21502 is 16.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Cumberland, MD

Verify and explore additional data for this area using these official government sources.