Traditionally, Miss was an unmarried female and Mrs. was a married female, no matter the age. But that has definitely changed over the last century. Now Miss means "girl" and Mrs. means "married" and Ms. means "men's titles aren't defined by their marital status, so why should mine be?" (or if you're less of a die-hard liberal than me, "I'm over 21 and my marital status isn't any of your business").
I don't know that there's a magical age at which one stops being a Miss, but I would personally say college graduation, assuming one graduates around 21-ish.
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