Residential delivery area · Maryland
ZIP Code 21532: Frostburg, MD
ZIP code 21532 uses the postal name Frostburg, Maryland and lies mostly in Allegany County (54% of its land) with the rest in Garrett County (Census 2020 ZIP-county file). About 14,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $63,690 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Finzel (5%), Frostburg (5%), Eckhart Mines (2%), Zihlman (2%), Vale Summit (1%), Shaft (1%), Klondike (under 1%), Carlos (under 1%), Woodland (under 1%), Clarysville (under 1%), Grahamtown (under 1%), Midland (under 1%), National (under 1%), Gilmore (under 1%) and Ocean (under 1%); 81% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Frostburg · its only residential ZIP
- County
- Allegany County (54%); Garrett County (46%)
- Census places
- Finzel (5%) census-designated place; Frostburg (5%); Eckhart Mines (2%) census-designated place; Zihlman (2%) census-designated place
- Micro area
- Cumberland, MD-WV
- House district
- MD-6 119th Congress
- State
- Maryland
- Time zone
- Eastern
- Land area
- 74.1 sq mi · 184 people per sq mi
Where is ZIP code 21532?
21532 centers on 39.649°, -78.985° and covers 74.1 square miles of land plus 0.1 of water. It borders 9 ZIP codes: 21543, 21539, 21542, 21545, 21557, 15558, 21536, 15552, 21502.
The map draws ZIP code areas only. For the streets inside 21532, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 21532 compare with the rest of Allegany County?
| Measure | 21532 | In Allegany County | In MD |
|---|---|---|---|
| People (ACS 2020-2024) | 13,647 | 2nd of 16 | 163rd of 477 |
| Median household income | $64k | 2nd of 6 | 270th of 293 |
| Median home value | $182k | 2nd of 6 | 309th of 320 |
Its median household income is higher than in 36% of U.S. residential ZIP codes, and it is denser than 62% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 21532?
The 2020 Census counted 13,328 people in 21532; the ACS, which samples households over 2020-2024, estimates 13,647. Between the 2010 and 2020 censuses its population fell 14.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 13,647
- 2020 Census count
- 13,328−14.7% since 2010 (15,620)
- Households
- 5,511
- Median age
- 34.8
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 21532?
Of the 13,647 people the ACS estimates in 21532, 16.7% are under 18 and 16.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (88.7%).
- Under 1816.7%
- 18 to 6466.7%
- 65 and older16.6%
- White, not Hispanic88.7%
- Black, not Hispanic5.9%
- Other or two or more2.1%
- Asian, not Hispanic1.8%
- Hispanic or Latino1.5%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 21532 earn?
Median household income is $63,690 (ACS 2020-2024), the 2nd highest of the 6 ranked ZIP codes in Allegany County. It is not measurably different from 2015-2019 ($59,158 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $63,690
- Income per person
- $32,801
- Below the poverty line
- 17.0%
- Unemployed (of the labor force)
- 5.6%
- Adults 25+ with a bachelor's degree
- 30.5%
- Adjusted gross income per tax return, 2022
- $62,8605,810 returns; wages 70% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 21532?
FHFA's house price index for 21532, built from repeat sales and appraisals of the same homes, rose 60% from 2015 to 2025 and rose 46% from 2020 to 2025, and moved −4.3% in 2025.
- Median home value (owners' estimate)
- $182,400
- Median gross rent
- $916
- Homes owned by their occupants
- 63.7%
- Housing units
- 6,316
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 21532?
240 business establishments had a location in this ZIP code in 2023, 1 fewer than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services46
- Retail trade37
- Other services (except public administration)36
- Construction22
- Health care and social assistance19
- Professional, scientific, and technical services14
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 21532?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 21543 | Midlothian | 185 | – | 1.3 mi |
| 21539 | Lonaconing | 1,975 | $58k | 3.9 mi |
| 21542 | Midland | 84 | – | 4.4 mi |
| 21545 | Mount Savage | 1,694 | $60k | 7.9 mi |
| 21557 | Rawlings | 1,481 | $35k | 9.2 mi |
| 15558 | Salisbury, PA | 1,960 | $64k | 9.3 mi |
| 21536 | Grantsville | 3,833 | $64k | 9.6 mi |
| 15552 | Meyersdale, PA | 5,685 | $66k | 9.8 mi |
| 21502 | Cumberland | 41,015 | $61k | 12.2 mi |
| 21521 | Barton | 1,400 | $64k | 7.6 mi (near) |
| 15532 | Boynton, PA | 107 | – | 8.8 mi (near) |
| 15562 | Springs, PA | 344 | $85k | 9.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.