ZIP Code 21521 — Moscow CDP, MD Demographics & Data

ZIP code 21521 covers Moscow, MD in Garrett County with a population of about 1,521.

At a glance, the area shows median age of 54.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-6; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 21521 is about $69,758 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.4%; unemployment rate near 12.6%; 10.1% of adults with a bachelor’s degree or higher (about 23.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 3.8% of workers reporting work-from-home (about 11.4 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 $130,900 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $600 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 93.6% (about 28.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21521 in Moscow, MD, a household would need roughly $36,000 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 $841. That sits below the local median household income ($69,758), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Moscow CDP, 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 Moscow CDP, MD show little to no average snow and around 41.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 89 for ZIP 21521 (Moscow CDP, 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.