ZIP Code 21704 — Frederick, MD Home Prices (2026)

The typical home in ZIP 21704 (Frederick, Maryland) is worth about $656,000 at roughly $233 per square foot — 44% more expensive than the Frederick median and 123% more expensive than the typical U.S. home.

$656,000

Typical home value

$233

Price per sq ft

#1 of 4

Frederick ZIPs by value

+44%

vs Frederick median

How 21704 compares

ZIP 21704 is one of the pricier ZIP codes in Frederick: its typical home value of $656,000 ranks #1 of the 4 Frederick ZIP codes we track (the citywide range runs from $417,000 in 21703 to $656,000 in 21704). Per square foot it costs about $233, against $229 for Frederick as a whole, $233 for Maryland, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 21704	$656,000	$233
Frederick, MD	$457,000	$229
Maryland	$451,500	$233
United States	$294,000	$195

Home value by size in 21704

Using this ZIP’s rate of about $233 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$233,000
1,500 sq ft	$349,500
2,000 sq ft	$466,000
2,500 sq ft	$582,500
3,000 sq ft	$699,000

Salary needed to buy a home in ZIP 21704

To buy the typical $656,000 home in ZIP 21704 with 20% down, you need a household income of roughly $178,000 a year (about $4,160 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $212,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$32,800	$5,180/mo	$222,000/yr
10% (+PMI)	$65,600	$4,950/mo	$212,000/yr
20%	$131,200	$4,160/mo	$178,000/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 ZIP 21704

At about $233 per square foot, here is roughly how much home different budgets get you in ZIP 21704:

Budget	Approx. size	What that looks like locally
$300k	1290 sq ft	below the local median — condos, smaller or older homes
$400k	1720 sq ft	below the local median — condos, smaller or older homes
$500k	2150 sq ft	below the local median — condos, smaller or older homes
$600k	2580 sq ft	around the typical home here
$750k	3220 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 21704 home.

Estimate a specific home in 21704

The estimator below is pre-set to ZIP 21704 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Frederick ZIP codes by home value

Where 21704 sits among Frederick’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	21704 (this page)	$656,000	$233
2	21702	$462,000	$223
3	21701	$452,000	$245
4	21703	$417,000	$225

ZIP 21704 home prices: frequently asked

What is the average home price in ZIP code 21704? +

The typical home in ZIP 21704 (Frederick, MD) is worth about $656,000 as of 2026. That is 44% more expensive than the Frederick median of $457,000 and 123% more expensive than the U.S. median of $294,000.

What is the price per square foot in 21704? +

About $233 per square foot in 21704, versus $229 across Frederick and $233 across Maryland. At that rate a 1,500 sq ft home runs roughly $349,500 and a 2,500 sq ft home about $582,500.

What salary do you need to buy a house in ZIP 21704? +

For the typical $656,000 home in ZIP 21704, a household income of about $178,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $212,000; with 5% down about $222,000.

Is 21704 an expensive ZIP code? +

Within Frederick, 21704 ranks #1 of 4 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Frederick. Nationally it is relatively expensive.

See the full Frederick home values page, all Maryland cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.