ZIP Code 21555 — Oldtown CDP, MD Demographics & Data

ZIP code 21555 covers Oldtown, MD in Allegany County with a population of about 1,577.

At a glance, the area shows median age of 41.7 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.

On socioeconomic markers, US5 shows a poverty rate of 26.1%; unemployment rate near 13.9%; 8.2% of adults with a bachelor’s degree or higher (about 25.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Administrative support; about 2.1% of workers reporting work-from-home (about 13.0 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 $205,900 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $593 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 76.9% (about 11.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21555 in Oldtown, MD, a household would need roughly $57,000 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 $1,323. 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 Oldtown CDP, MD as Relatively Low (composite score 58.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (73.6) and hurricane (67.7). 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 Oldtown CDP, MD show little to no average snow and around 39.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 93 for ZIP 21555 (Oldtown 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.