ZIP Code 21727 — Emmitsburg town, MD Demographics & Data

ZIP code 21727 covers Emmitsburg, MD in Frederick County with a population of about 6,079.

At a glance, the area shows median age of 29.0 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.

Emmitsburg, MD sits in a university / college context (near mount st. mary's university (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 21727 is about $92,697 — about 23% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 3.5%; 25.4% of adults with a bachelor’s degree or higher (about 8.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Retail trade; about 18.1% of workers reporting work-from-home (about 2.9 points above 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 $304,000 — about 13% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $736 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 77.0% (about 11.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21727 in Emmitsburg, MD, a household would need roughly $84,000 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 $1,953. That is roughly in line with the local median household income ($92,697). 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 Emmitsburg town, MD as Relatively Low (composite score 74.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (81.6) and hurricane (79.3). 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 Emmitsburg town, MD show little to no average snow and around 46.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 357 for ZIP 21727 (Emmitsburg 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.