ZIP Code 21520 — Accident town, MD Demographics & Data

ZIP code 21520 covers Accident, MD in Garrett County with a population of about 2,327.

At a glance, the area shows median age of 39.4 (near the U.S. median).

It sits in telephone area codes 227, 240, 301; U.S. House district MD-6; the PITTSBURGH media market.

Median household income in ZIP 21520 is about $63,631 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.9%; unemployment rate near 1.3%; 28.5% of adults with a bachelor’s degree or higher (about 5.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Healthcare; about 12.0% of workers reporting work-from-home (about 3.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $275,500 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $568 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 79.1% (about 13.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21520 in Accident, MD, a household would need roughly $76,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,770. That is about 19% above the local median household income ($63,631), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Accident town, MD as Very Low (composite score 16.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (63.8) and flood (34.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Accident town, MD show little to no average snow.

IRS migration statistics show a net inflow of about 137 for ZIP 21520 (Accident town, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.