About

Life in Urbana

If you're considering Urbana, you're looking at a relatively young suburban community that's still finding its identity—it didn't really start developing until 1999, so there's less of the "established neighborhood" feel you might find in older towns, but also fewer entrenched problems. The draw here is practical: you're positioned right at the I-270/MD 80 interchange between Frederick and Washington, D.C., with a median household income of $182,500 and a 3.5% unemployment rate that reflects a solid job market. The trade-off is that 35.7-minute average commute, which many residents accept as the price of suburban living close enough to D.C. without being in it.

Urbana at a Glance

Population, income, housing and more

Median Age

38.1 yrs

Poverty Rate

1.2%

Foreign-Born

27.9%

Broadband Internet

98.4%

of households

Population Growth

+10.4%

recent change · Census Bureau

Median household income

Urbana$182,500
Maryland avg$103,678
US$80,734

Demographics27.9% foreign-born, most often from India

Who lives in Urbana: race and ethnicity, ages, households, languages and countries of origin

In Urbana, the largest foreign-born group is from India (21.3%), and 9.8% of residents speak Spanish at home.

Under 18

34.4%

of residents

65 and Older

9.3%

of residents

Households with Kids

58.1%

anyone under 18

Living Alone

12.2%

of households

Married Couples

70.5%

of households

Avg Household Size

3.24

people

Race & Ethnicity

White45.3%
Asian21.7%
Hispanic or Latino16.8%
Black10.8%
Two or more races4.7%

Hispanic or Latino of any race; other groups are non-Hispanic

Top countries of origin (foreign-born)

India21.3%
China6.8%
Korea6.1%
Pakistan5.4%
Ghana4.3%
El Salvador3.1%
Ukraine3.0%
Turkey2.9%
Nepal2.8%
Argentina2.3%

Languages Spoken at Home

English only62.7%
Spanish9.8%
Other Indo-European7.4%
Russian/Slavic4.8%
Other Asian/Pacific4.6%
Other3.4%
Chinese2.5%
Korean1.7%

Cost of Livingrent 55% above MD average

Rent, home values, and income in Urbana

In Urbana, rent runs 55% above the MD average, and home values are 52% above the MD average.

Median rent (per month)

Urbana$2,649
Maryland avg$1,705
US$1,413

Median home value

Urbana$640,100
Maryland avg$419,900
US$332,700

Rent Burdened

24.8%

spending 30%+ of income on rent

Severely Rent Burdened

2.0%

spending 50%+

Cost of Living Index

108.9

metro area (BEA) · US avg = 100

Median Property Tax

$6,942

per year, owner-occupied homes

Homeowners

80.3%

of occupied homes are owned

Typical Home Built

2009

median year built

Vacant Homes

1.2%

of housing units

Jobs & Economyunemployment 0.5 pts below MD average

Unemployment in Urbana and typical pay across the metro area

Unemployment in Frederick County, which includes Urbana, is 0.5 percentage points lower than the MD average.

Unemployment rate

Urbana3.5%
Maryland avg4.0%
US4.3%

Urbana: Frederick County rate (county-wide) · BLS annual average

Unemployment Rate — 10 Year Trend

3.5%
3.3%
3.2%
2.8%
5.3%
4%
2.5%
1.9%
2.7%
3.5%
2016201720182019202020212022202320242025

Frederick County (county-wide) · Annual averages

What Urbana Residents Do for Work · share of employed residents by industry

Professional & business services22.6%
Education & health care20.3%
Public administration11.2%
Retail9.0%
Manufacturing7.6%
Construction6.4%
Arts, hospitality & food service6.4%
Finance & real estate6.3%

City residents, wherever they work

Median Salary by Occupation · metro area

Management$154,420
Computer & Math$129,790
Business & Finance$101,420
Healthcare$96,680
Education$64,110
Construction$58,650
Office & Admin$48,960
Transportation$43,540

Washington-Arlington-Alexandria, DC-VA-MD-WV metro area

Commute32.5 min avg

How Urbana residents get to work, and the nearest airports

In Urbana, most residents drive alone to work (62%), and 49% get there in under 30 minutes.

How People Get to Work

Drive alone61.5%
Carpool4.3%
Public transit0.4%
Walk1.6%
Work from home30.6%
Other1.6%

Commute Time Distribution

Under 15 min22.5%
15–29 min26.4%
30–44 min20.2%
45–59 min16.1%
60+ min14.8%

Nearest airports · with airline service

  • Washington Dulles International Airport (IAD)

    Major hub13.9M passengers boarded in 2025

    27 mi

Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.

Safetyviolent crime 68% below national average

Crime rates for 2025

Violent crime in the area policed by the Frederick County Sheriff's Office, which covers Urbana, runs 68% below the national average.

Violent Crime Rate

106.4

per 100,000 residents

Below average (329 national, 2025)

Property Crime Rate

632.9

per 100,000 residents

Below average (1,552 national, 2025)

Policed by Frederick County Sheriff's Office (county-wide rate)

Natural DisastersThunderstorm Wind most common — 32 events in 2025

Natural hazard risk, storms and earthquakes

FEMA National Risk Index

Relatively Low

74.2 / 100

Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).

Lightning · HighWinter weather · HighDrought · ModerateHail · ModerateHeat wave · Moderate

Frederick County, county-wide · FEMA NRI December 2025

In Frederick County, which includes Urbana, the most common type is thunderstorm wind, with 32 recorded events in 2025.

Most common events:

Thunderstorm WindWinter WeatherFloodDense FogWinter Storm

Storm events by year

YearEventsTop TypeProperty Damage
202532Thunderstorm Wind$635,000
202416Thunderstorm Wind$94,000
202312Thunderstorm Wind$949,000
202225Thunderstorm Wind$214,000
202140Thunderstorm Wind$712,000
202043Dense Fog$416,000
201946Thunderstorm Wind$22,000
201849Flood$44.3M

Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.

1 earthquake of magnitude 2.5+ within 100 miles in the past year

Frederick County, county-wide

Air Quality41 median AQI — Good

Days by air quality category (2025)

Air quality in Frederick County, which includes Urbana, is typically good.

Median AQI

41

Frederick County, county-wide

Climate82°F summers, 27°F winters

30-year climate averages (1991–2020) — monthly temperatures and precipitation

Urbana has warm summers (avg high 82°F) and cold winters (avg low 27°F).

Spring (Mar–May)

63°/43°F

avg high / low

Summer (Jun–Aug)

82°/64°F

avg high / low

Fall (Sep–Nov)

65°/47°F

avg high / low

Winter (Dec–Feb)

42°/27°F

avg high / low

Annual Precipitation

46.9"

Annual Snowfall

31.4"

Hot Days/Year

13

days above 90°F

Freeze Days/Year

98

days below 32°F

Rainy Days/Year

119

Average month

High °FLow °FPrecip (in)
10°30°50°70°90°5"Jan: 3.41" precipitationFeb: 2.98" precipitationMar: 4.04" precipitationApr: 3.62" precipitationMay: 4.35" precipitationJun: 4.67" precipitationJul: 4.49" precipitationAug: 4.18" precipitationSep: 4.76" precipitationOct: 4.01" precipitationNov: 3.49" precipitationDec: 3.89" precipitation25°JJan: high 39°F, low 25°FFFeb: high 43°F, low 26°FMMar: high 52°F, low 33°FAApr: high 64°F, low 43°FMMay: high 73°F, low 53°FJJun: high 80°F, low 62°F84°JJul: high 84°F, low 66°FAAug: high 83°F, low 65°FSSep: high 76°F, low 58°FOOct: high 65°F, low 47°FNNov: high 53°F, low 36°FDDec: high 44°F, low 30°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan39°F25°F3.41"
Feb43°F26°F2.98"
Mar52°F33°F4.04"
Apr64°F43°F3.62"
May73°F53°F4.35"
Jun80°F62°F4.67"
Jul84°F66°F4.49"
Aug83°F65°F4.18"
Sep76°F58°F4.76"
Oct65°F47°F4.01"
Nov53°F36°F3.49"
Dec44°F30°F3.89"

Healthcare

Hospitals, ratings, and health insurance in Urbana

Uninsured

2.5%

of residents

No hospitals inside Urbana's limits — nearest hospitals · within 15 miles

Frederick Health Hospital

Acute Care Hospitals · ER available · 7.5 mi away · Frederick

Holy Cross Germantown Hospital

Acute Care Hospitals · ER available · 11.7 mi away · Germantown

Adult Health · vs. the typical US place

Obesity31.2%US 36.8%
Diabetes9.0%US 12.6%
High blood pressure28.8%US 37.1%
Current smoking7.0%US 15.0%
No leisure-time physical activity16.5%US 26.6%
Depression18.4%US 23.0%
Asthma8.8%US 10.7%
Routine checkup in past year78.6%US 78.2%

Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.

Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.

Education17.9:1 student/teacher ratio

Schools and degree attainment in Urbana

Urbana's student/teacher ratio is 17.9:1 (higher than the national average of 16:1), and 66.0% of adults 25+ hold a bachelor's degree or higher.

Public Schools

5

within city limits

Private Schools

0

within city limits

College Degree Rate

66.0%

adults 25+ with bachelor's or higher

Student/Teacher Ratio

17.9:1

National avg 16:1

Schools located within city limits (2023) — school-level metrics change slowly year to year

Colleges Near Urbana (within 15 miles)

Frederick Community College

9.4 mi away

Public · 2-year · 4,203 students · in-state tuition $3,958 · 46% graduate · median earnings $49,535 (10 yrs after entry)

Hood College

7.5 mi away

Private nonprofit · 4-year · 1,194 students · in-state tuition $49,380 · 62% graduate · median earnings $60,061 (10 yrs after entry)

Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)

Parks & Recreationclosest: Monocacy National Battlefield, 3 mi

Nearby national parks, recreation areas and public libraries for Urbana

Urbana has 8 nearby national parks or recreation areas, closest being Monocacy National Battlefield (3 mi away).

Nearby National Parks & Recreation Areas

Monocacy National Battlefield

National Battlefield

3 mi away

Potomac Heritage National Scenic Trail

National Scenic Trail

15 mi away

Harpers Ferry National Historical Park

National Historical Park

21 mi away

Antietam National Battlefield

National Battlefield

23 mi away

Catoctin Mountain Park

Park

23 mi away

Chesapeake & Ohio Canal National Historical Park

National Historical Park

23 mi away

Great Falls Park

Park

24 mi away

Clara Barton National Historic Site

National Historic Site

27 mi away

Public Libraries in Urbana

Urbana Regional Library

9020 Amelung Street, Urbana

Branch~59 hrs/week

Cities Near Urbana

The closest cities within 60 miles

Planning a move to Urbana?

Read our full moving guide — what it's really like to live here.

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Urbana FAQ

Is Urbana, Maryland affordable?⌄

Urbana's median rent is $2,649/month, which is significantly above the national average. The median household income is $182,500/year. Median home value is $640,100.

Is Urbana, Maryland safe?⌄

Urbana is policed by the Frederick County Sheriff's Office, whose violent crime rate across its service area was 106 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 633 per 100,000. As with any city, crime rates vary by neighborhood.

What is the job market like in Urbana, Maryland?⌄

Frederick County, which includes Urbana, has an unemployment rate of 3.5%, which is solid, slightly below the national average of 4.3%.

What is the cost of living in Urbana, Maryland?⌄

The cost of living in Urbana is primarily driven by housing. Median rent is $2,649/month and median household income is $182,500/year. The median home value is $640,100. About 25% of renters spend more than 30% of their income on housing.

How is the commute in Urbana, Maryland?⌄

The average commute in Urbana is 33 minutes, which is longer than average compared to the national average of 26 minutes.

Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from