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Living in
Urbana.
Urbana is an unincorporated community in Frederick County, MD. It has no city government: the county runs it, and the Census counts it as its own place.
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
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
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
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)
Median home value
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
Urbana: Frederick County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Frederick County (county-wide) · Annual averages
What Urbana Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
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
Commute Time Distribution
Nearest airports · with airline service
- 27 mi
Washington Dulles International Airport (IAD)
Major hub13.9M passengers boarded in 2025
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).
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:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 32 | Thunderstorm Wind | $635,000 |
| 2024 | 16 | Thunderstorm Wind | $94,000 |
| 2023 | 12 | Thunderstorm Wind | $949,000 |
| 2022 | 25 | Thunderstorm Wind | $214,000 |
| 2021 | 40 | Thunderstorm Wind | $712,000 |
| 2020 | 43 | Dense Fog | $416,000 |
| 2019 | 46 | Thunderstorm Wind | $22,000 |
| 2018 | 49 | Flood | $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
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 39°F | 25°F | 3.41" |
| Feb | 43°F | 26°F | 2.98" |
| Mar | 52°F | 33°F | 4.04" |
| Apr | 64°F | 43°F | 3.62" |
| May | 73°F | 53°F | 4.35" |
| Jun | 80°F | 62°F | 4.67" |
| Jul | 84°F | 66°F | 4.49" |
| Aug | 83°F | 65°F | 4.18" |
| Sep | 76°F | 58°F | 4.76" |
| Oct | 65°F | 47°F | 4.01" |
| Nov | 53°F | 36°F | 3.49" |
| Dec | 44°F | 30°F | 3.89" |
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
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)
Public · 2-year · 4,203 students · in-state tuition $3,958 · 46% graduate · median earnings $49,535 (10 yrs after entry)
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 awayPotomac Heritage National Scenic Trail
National Scenic Trail
15 mi awayHarpers Ferry National Historical Park
National Historical Park
21 mi awayAntietam National Battlefield
National Battlefield
23 mi awayCatoctin Mountain Park
Park
23 mi awayChesapeake & Ohio Canal National Historical Park
National Historical Park
23 mi awayGreat Falls Park
Park
24 mi awayClara Barton National Historic Site
National Historic Site
27 mi awayPublic Libraries in Urbana
Urbana Regional Library
9020 Amelung Street, Urbana
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.
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