ZIP Code 21777 — Point of Rocks CDP, MD Demographics & Data

ZIP code 21777 covers Point of Rocks, MD in Frederick County with a population of about 2,333.

At a glance, the area shows median age of 43.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-6; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 21777 is about $136,827 — about 82% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.6%; unemployment rate near 4.8%; 41.8% of adults with a bachelor’s degree or higher (about 8.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Food services, and Retail trade; about 22.8% of workers reporting work-from-home (about 7.6 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $441,300 — about 27% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 99.6% (about 34.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21777 in Point of Rocks, MD, a household would need roughly $121,000 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 $2,835. That sits below the local median household income ($136,827), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Point of Rocks CDP, MD as Relatively Low (composite score 74.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (81.6) and hurricane (79.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Point of Rocks CDP, MD show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 137 for ZIP 21777 (Point of Rocks CDP, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.