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Frederick city, MD

ZIP 21701 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21701

Median Home Value
$404,900
Median Rent
$1,436
Affordability Snapshot
$111,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,601/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 21701 in Frederick city, MD, a household would need roughly $111,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,601. That is roughly in line with the local median household income ($102,306). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.2%+3% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
25.1%-34% vs US avg
x
$404,900
Home Value
$1,436
Rent
1984
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached39.5%
  • 1-unit attached29.9%
  • 2-9 units12.9%
  • 10+ units17.5%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$404,900
Median rent$1,436
Owner-occupied67.2%
Vacant6.6%
Price-to-income4.0x
Est. income to buy$111,000