Frederick County, MD Average Home Price (2026)
The average home price in Frederick County, Maryland is about $461,000 (the 2026 median across 27 ZIP codes, at ~$228/sq ft) — 5% more expensive than the Maryland median and 60% more expensive than the typical U.S. home.
How Frederick County compares
Frederick County is relatively expensive for housing nationally: its typical home costs $461,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $291,000 to $680,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Frederick County | $461,000 | $228 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Cities in Frederick County
Cities with their own home-value page, largest first:
Frederick County home prices by ZIP code
The 15 most valuable ZIP codes in Frederick County (of 27 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21754 Ijamsville | $680,000 | $222 | +48% |
| 21710 Adamstown | $653,000 | $196 | +42% |
| 21770 Monrovia | $653,000 | $243 | +42% |
| 21704 Frederick | $645,000 | $241 | +40% |
| 21771 Mount Airy | $626,000 | $255 | +36% |
| 21790 Tuscarora | $621,000 | $327 | +35% |
| 21774 New Market | $591,000 | $241 | +28% |
| 21755 Jefferson | $560,000 | $250 | +21% |
| 21769 Middletown | $558,000 | $253 | +21% |
| 21773 Myersville | $547,000 | $266 | +19% |
| 21777 Point of Rocks | $515,000 | $197 | +12% |
| 21798 Woodsboro | $501,000 | $226 | +9% |
| 21758 Knoxville | $461,000 | $255 | +0% |
| 21793 Walkersville | $461,000 | $217 | +0% |
| 21702 Frederick | $452,000 | $219 | -2% |
Home value appreciation in Frederick County
Home prices in Frederick County have risen about 68% over the last 10 years (≈5.3% a year) and +42.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.9% — roughly flat. A home worth $461,000 today was worth roughly $274,242 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maryland is +59.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Frederick County
Run the numbers for Frederick County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Frederick County
To buy the typical $461,000 home in Frederick County with 20% down, you need a household income of roughly $125,000 a year (about $2,930 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $149,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $23,100 | $3,640/mo | $156,000/yr |
| 10% (+PMI) | $46,100 | $3,480/mo | $149,000/yr |
| 20% | $92,200 | $2,930/mo | $125,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Frederick County
At about $228 per square foot, here is roughly how much home different budgets get you in Frederick County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1100 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1320 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1750 sq ft | around the typical home here |
| $500k | 2190 sq ft | around the typical home here |
| $600k | 2630 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maryland.
Estimate a specific home in Frederick County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Frederick County home prices: frequently asked
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Browse all Maryland cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.