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Area data

Hagerstown, MD — ZIP 21740

Population: 64,792 (Census ACS)

The typical home value in ZIP 21740 (Hagerstown, MD) is $289,970 — up 0.2% over the past year. Homes sell for a median $290,000 after a median 45 days on market. Typical rent runs $1,343/month. 15 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with drought, heat wave, hurricane the top-rated hazards. Cost of living is 5.0% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$289,970

Typical home value

+0.2%

1-year change

45

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Typical home value
$289,970
1-year appreciation
+0.2%
3-year appreciation
+9.2%
5-year appreciation
+26.3%
10-year appreciation
+76.7%
Peak value since 2000 (Apr 2026)
$290,812
House Price Index (state)
376.2 (+0.9% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$290,000
Median list price
$294,990
Median price per sqft
$172
1-year sale-price change
+7.4%
Median days on market
45 days
Homes sold (recent period)
218
For-sale inventory
228
Sale-to-list ratio
100.1%
Active listings
257
1-year forecast
+1.9%
Days to pending
37 days
New listings (monthly)
77

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,343/mo
1-year rent change
+1.0%
Studio fair-market rent
$894/mo
1BR fair-market rent
$982/mo
2BR fair-market rent
$1,284/mo
3BR fair-market rent
$1,714/mo
4BR fair-market rent
$1,923/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average)
105.0 (100 = US avg)
Electricity rate (state-level)
19.5¢/kWh
Natural gas rate (state-level)
$16.10/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
15
Elementary schools
8
Middle schools
2
High schools
4
Avg student-teacher ratio
14.2 : 1
Schools include
Evening High School, Bester Elementary, E. Russell Hicks Middle, Emma K. Doub Elementary, Fountain Rock Elementary

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
drought, heat wave, hurricane, inland flooding, lightning
Notable hazard ratings (county)
drought: Relatively Moderate · heat wave: Relatively Moderate · hurricane: Relatively Moderate · lightning: Relatively Moderate · strong wind: Relatively Moderate · winter weather: Relatively Moderate
Most common flood zone among NFIP claims
Zone A
NFIP flood claims on record
44
Wildfire risk to homes (county)
Higher than 36% of US counties
Buildings in wildfire direct-exposure zone
52.1%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
1
Nearest Superfund site
Central Chemical (Hagerstown) (2 mi)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
54.0°F
Average high
64.0°F
Average low
44.0°F
Annual precipitation
43.4 in
USDA plant hardiness zone
7a (extreme annual low 0 to 5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
40
Days with Good air quality
285
Days with Moderate air quality
76
Highest AQI recorded (year)
90

Source: EPA annual air quality index (county-level)

Walkability & transit

Walkability index
7.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
28,854
Jobs reachable by transit (45 min)
26,715

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
18
Nearest national park
Antietam National Battlefield (11 mi)
National parks include
Antietam National Battlefield, Catoctin Mountain Park, Harpers Ferry National Historical Park
Airports within 30 mi
32
Nearest airport
Hagerstown Regional Richard A Henson Field (HGR) (5 mi)
Nearest major airport
Hagerstown Regional Richard A Henson Field (HGR) (5 mi)
Hospitals in or near this ZIP
18
Hospitals include
MERITUS MEDICAL CENTER, BROOK LANE HEALTH SERVICES, FREDERICK HEALTH HOSPITAL
Avg hospital rating (CMS)
3.3 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.0 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
+509 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1971
Housing built before 1970
48.3%
Housing built 2000 or later
19.8%
Median annual property tax
$2,283
Mean commute to work
24 min
Households with broadband internet
74.0%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
57,200
Average weekly wage
$1,112
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
354

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 21740State medianUS median
Typical home value$289,970$446,567$288,527
Median sale price$290,000$450,000$325,000
Median days on market45 days40 days51 days
Typical rent$1,343/mo$1,998/mo$1,809/mo
Median annual property tax$2,283$3,862$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 21740?
$289,970.
What is the median sale price in ZIP 21740?
$290,000.
How long do homes take to sell in ZIP 21740?
Median days on market: 45 days.
What is typical rent in ZIP 21740?
Typical rent: $1,343/month.
What is the natural-hazard risk in ZIP 21740?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: drought, heat wave, hurricane, inland flooding, lightning.
Is ZIP 21740 in a flood zone?
Flood zones vary by property within ZIP 21740. 44 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 21740?
Risk to homes is higher than 36% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 21740?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 21740?
1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Central Chemical (Hagerstown), 2 mi.
How many schools serve ZIP 21740?
15 schools (8 elementary, 2 middle, 4 high) (NCES, 2024-25).
Is ZIP 21740 walkable?
Walkability index: 7.5/20 (EPA Smart Location Database).
What is the air quality in ZIP 21740?
Good. Median AQI: 40. (EPA AQI).
What is the cost of living in ZIP 21740?
Regional Price Parity: 105.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

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