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Frostburg, MD Utility & Living Guide

Frostburg is a city in Allegany County, Maryland, United States. It is located at the head of the Georges Creek Valley, 8 miles (13 km) west of the county seat of Cumberland. The town is one of the first cities on the "National Road", US 40, and the western terminus of the Western Maryland Scenic Ra

Last updated: June 26, 2026

Total Utilities$350/mo

1BR Rent$1000/mo

Sales Tax6%

COL Index105 (+5% above national average)

Family Score7/10

Median Home$220,000

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⚠️ Natural Hazard History — Frostburg

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💰 Budget Calculator

🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$140/mo

Potomac Edison

🔥 Gas

$60/mo

Columbia Gas of Maryland

💧 Water

$50/mo

City of Frostburg Water Department

🗑️ Garbage

$30/mo

Frostburg City Sanitation

📶 Internet

$70/mo

Combined Average Overhead$350/month

Housing Market

Rent & Property
1 Bedroom	$1000/mo
2 Bedrooms	$1300/mo
3 Bedrooms	$1800/mo
Median Home Price	$220,000
Property Tax Rate	1.1%
Avg Childcare/mo	$900

The housing market in Frostburg is relatively affordable, with a range of options from historic homes to modern apartments. Rentals are available, but may be limited, especially for larger families. The city has seen some new development in recent years, including new single-family homes and townhouses.

Cost of Living

Overall COL Index

105

US national avg = 100

vs National Avg

+5% above national average

Groceries

102

Transportation

Healthcare

105

Childcare/mo

$900

Tax Rates

Tax Overview
Total Sales Tax	6%
Property Tax Rate	1.1%
<p>State 6% + No County tax + No City tax</p>

Maryland has a progressive state income tax, with rates ranging from 4.75% to 5.75%. Frostburg residents are also subject to federal income tax.

Family & Relocation

Family Vibe Score

7/10

Safety Index

Higher = safer

School Rating

7/10

GreatSchools avg

Avg Childcare

$900/mo

City Pulse

Population Trend

+2% (growing)

Political Climate

Purple description, with a mix of conservative and liberal views

Business Momentum

Moderate, with key industries in education, healthcare, and tourism

Top Local Concerns

Economic development, infrastructure improvement, public safety

🚌 Transit for Families

Frostburg has a limited public transportation system, but the city is relatively walkable and bikeable, with some stroller-friendly sidewalks and parks

🎡 Top Kid Attractions

🎯
Frostburg Community Park
🎯
Frostburg Public Library
🎯
Allegany County Fairgrounds

Best Neighborhoods for Families

The downtown area and surrounding neighborhoods, such as Bowery Street and Frost Avenue, offer a mix of historic homes and modern amenities, making them popular with families. The city also has several parks and green spaces, including the Frostburg Community Park, which offers playgrounds, sports fields, and walking trails.

Household Budget Calculator

Estimate your real monthly cost of living in Frostburg based on your household profile.

📰 Live Local News

Frostburg has regulations regarding zoning, noise ordinances, and historic district preservation. Residents should be aware of these regulations when planning home improvements or outdoor activities.

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📊 Frostburg — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

☀️ Seasonal Utility Costs

Utility costs in Frostburg tend to be higher in the winter months due to heating costs, with average bills ranging from $150 to $250 per month. In the summer, costs are lower, ranging from $100 to $200 per month, due to the use of air conditioning and fans.

🏛️ Local Tax Details

The ZIP code 21532 has a property tax millage rate of 0.85, with no local surtaxes. Allegany County, where Frostburg is located, has a property tax rate of 0.95.