The story of this market
The typical home in Frederick County, Maryland sells for about $512,500, or $223 per square foot.
Prices are up +2.5% from a year ago, so sellers still have some momentum. Homes take about 33 days to sell. Over the long run, values in this county have grown 145% since 2000. Last year 39 of 62 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $2,438 a month.
HUD sets the fair market rent for a 2-bedroom at $2,438 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+22.8%). Worst: 2009 (-12%). Hover to read a year.
Monthly price momentum
Home values since 2015
+1.1%
MD · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$3,107
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 62 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
12
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $49,865,321.
Mortgage activity
Home lending in this county
81.1%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 15875 | 8383 | 81.1% | 4.5% | $345,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Frederick County, Maryland
The Frederick County housing market shows steady growth with a 2.5% year-over-year increase in median sold prices. While inventory remains relatively tight, the market is balancing as days on market have stabilized, reflecting a resilient demand driven by the county's strong economic base.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the prior refresh cycle (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 4 cities · 12 ZIP reports
Median prices moved up 0.0% year over year.
Homes spend a median of 26 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.29% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 5.1% — a stable, low-distress profile.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 3 researched ZIP reports of 12 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Frederick County, Maryland — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 7, 2026.
researched Oct 1
researched Oct 1
researched Oct 1
researched Sep 29
| 21701 | Frederick | $504,000 | $226 | — | 26 | — | — | — | — | $1,672 | researched Oct 1 |
| 21702 | Frederick | $466,000 | $245 | +2.1% | 32 | 98.5% | 18% | 3.8 | 169 | $1,770 | researched Oct 1 |
| 21703 | Frederick | $441,832 | $215 | +3.2% | 32 | 99.2% | 18% | 3.8 | 169 | $1,991 | researched Oct 1 |
| 21771 | Mount Airy | $674,800 | $253 | +12.5% | 26 | — | — | — | 186 | $2,252 | researched Sep 29 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Frederick County generally reports lower crime rates compared to the broader Baltimore-Washington metropolitan area, with trends remaining relatively stable in recent years.
The county is served by Frederick County Public Schools, which maintains a strong reputation for academic performance and is consistently ranked among the better-performing districts in Maryland.
The county faces moderate risks from flooding in low-lying areas near the Potomac and Monocacy rivers, while insurance markets remain stable with standard coverage availability.
Economic momentum is driven by a mix of biotechnology, manufacturing, and government contracting, supported by ongoing infrastructure improvements along the I-270 and I-70 corridors.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Maryland) — Maryland Real Property Assessment and Taxation: Property is assessed at its phased-in use value. The tax is calculated by multiplying the assessed value by the applicable state and local tax rates.
The economy is anchored by a diverse base including biotechnology, federal government agencies, and a robust manufacturing sector, benefiting from its proximity to the D.C. metro area.
The county is served by major highway corridors including I-70 and I-270, providing critical links to the Baltimore and Washington D.C. employment centers.
The Frederick County Department of Assessments and Taxation conducts triennial assessments to determine property values for tax purposes.
The county is served by various special taxing districts, including those for water and sewer infrastructure and specific community development projects.
Property insurance remains widely available, though premiums are influenced by regional weather patterns and standard risk assessments for the Mid-Atlantic.
- Adventure Park USA4.110.3 mi
- Sky Zone Trampoline Park4.123.9 mi
- Dave & Buster's Gaithersburg4.323.6 mi
- K1 Speed Dulles4.525.2 mi
- The Adventure Park at Sandy Spring4.829.4 mi
- Liberty Mountain Resort4.326.7 mi
- Butler's Orchard4.617.4 mi
- Topgolf Loudoun4.423 mi
- Stone Tower Winery4.523.8 mi
- Topgolf Germantown4.317.8 mi
- Harpers Ferry National Historical Park4.816.1 mi
- Cunningham Falls State Park4.614.7 mi
- Antietam National Battlefield4.915.3 mi
- Warehouse Cinemas Frederick4.82.7 mi
- Adventure Park USA4.110.3 mi
- Glenstone4.725.1 mi
- Antietam National Battlefield4.915.3 mi
- Adventure Park USA4.110.3 mi
- Crystal Grottoes Caverns4.513.5 mi
- Morven Park Grounds4.818.4 mi
- Harpers Ferry National Historical Park4.816.1 mi
- Greenbrier State Park4.513.3 mi
- Cunningham Falls State Park4.614.7 mi
- Antietam National Battlefield4.915.3 mi
- Adventure Park USA4.110.3 mi
- Topgolf Germantown4.317.8 mi
- Whiskey Creek Golf Club4.69.2 mi
- The Crossvines4.318.2 mi
- Little Bennett Golf Course4.511.7 mi
- PB Dye Golf Club4.49.5 mi
- Leesburg Premium Outlets4.519.6 mi
- Clarksburg Premium Outlets4.414.6 mi
- Butler's Orchard4.617.4 mi
- Francis Scott Key Mall43.4 mi
- Lancaster County Dutch Market4.718.5 mi
- Dulles International Airport4.129.9 mi
- Hagerstown Regional Airport (HGR/KHGR)4.426.2 mi
- Capital One Lounge at IAD4.329.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Offers extensive hiking trails and outdoor recreation, serving as a major natural anchor for the region.
Features a vibrant collection of independent shops, restaurants, and historic architecture that serves as the county's cultural hub.
A significant Civil War site that provides educational opportunities and preserved open space for residents.
Data retrieved from data.census.gov; figures reflect county-wide averages.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
applies when — Applies to residential parcels located within a development subject to a declaration of covenants or restrictions requiring mandatory membership in an association.
Imposes obligations on parcel owners to pay assessments, adhere to recorded covenants, and comply with association governance and disclosure requirements upon resale.
Real Property Article Title 11B.
Maryland utilizes a judicial-supervised process. Foreclosure actions cannot be filed until 90 days after a default. Homeowners have 30 days from the date of the Notice of Report of Sale to file exceptions to the sale.
Real Property Article § 7-105.1; Maryland Rules of Procedure.
Property is assessed at its phased-in use value. The tax is calculated by multiplying the assessed value by the applicable state and local tax rates. The Homestead Property Tax Credit limits the annual increase in taxable assessment for owner-occupied residential property to a fixed percentage (set by local jurisdictions, typically 10% or less) of the prior year's assessment.
Tax-Property Article § 8-103; COMAR Title 18.
≈ $51,250/yr on a $512,500 median
applies when — Applies to the transfer of residential real property of one to four single-family units, excluding specific transfers such as initial sales of never-occupied property, foreclosure sales, or transfers by fiduciaries.
Sellers must provide either a disclosure statement detailing known latent defects or a disclaimer statement selling the property 'as is' without warranties.
Real Property Article § 10-702, Annotated Code of Maryland.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.