ZIP Code 21523 — Bloomington CDP, MD Demographics & Data

ZIP code 21523 covers Bloomington, MD in Garrett County with a population of about 165.

At a glance, the area shows median age of 38.1 (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 21523 is about $70,347 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 11.2%; 32.7% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Arts and entertainment, and Transportation; a mean commute of about 79.0 minutes (U.S. average near 26.8).

Median home value is about $104,500 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.7% (about 22.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21523 in Bloomington, MD, a household would need roughly $29,000 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 $671. That sits below the local median household income ($70,347), 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 Bloomington 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 Bloomington 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 10 for ZIP 21523 (Bloomington 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.