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ZIP Code 21704

Frederick, Maryland

ZCTA 21704

Juniper

ZIP Code 21704 is in the lowest 3% nationally for FEMA risk score. It also sits in the highest 3% nationally for median income. And it sits in the highest 3% nationally for median rent.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$691,888

Higher than 88% of U.S. ZIP codes
Home Price Growth, Past Five Years

43%

Lower than 75% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

13.5

Lower than 97% of U.S. ZIP codes

The boundary of ZIP Code 21704, in Frederick, Maryland.

The basics

Total Population

20,006

Median Age

38.6

Population Density

751.17

Home values & property tax

Median Property Tax

$6,295

Property Tax Rateyearly tax as a share of home value

1%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

3.8×

Higher than 68% of U.S. ZIP codes
Median Income

$161,063

Higher than 97% of U.S. ZIP codes
Median Rent

$2,536

Higher than 97% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

2.6%

Lower than 57% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

50%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

31%

Climate & weather

Summer Avg High (°F)

86.8

Winter Avg Low (°F)

28.6

Avg Temperature (°F)

57

Hot Days/yr (>90°F)

36.5

Freezing Days/yr (<32°F)

83.6

Annual Precipitation (in)

46.9

Annual Snowfall (in)

31.4

Flood & disaster risk

FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

13.5

Lower than 97% of U.S. ZIP codes

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 21704: frequently asked questions

What is the typical home value in ZIP Code 21704?
The estimated median home value in ZIP Code 21704 today is $691,888, higher than 88% of U.S. ZIP codes.
How much is property tax in ZIP Code 21704?
The median annual property tax in ZIP Code 21704 is $6,295, an effective rate of 1% of home value.
Is ZIP Code 21704 expensive to live in?
Homes in ZIP Code 21704 cost about 3.8× the median household income, higher than 68% of U.S. ZIP codes.
What is the average rent in ZIP Code 21704?
The median gross rent in ZIP Code 21704 is $2,536 a month, higher than 97% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 21704?
Home prices in ZIP Code 21704 have moved 43% over the past five years (2.6% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 21704?
ZIP Code 21704 has a population of 20,006, about 751.17 people per square mile, per the U.S. Census American Community Survey. The median age is 38.6.
What is the weather like in ZIP Code 21704?
ZIP Code 21704 averages 57°F year-round, summer highs near 86.8°F, winter lows around 28.6°F (NOAA 1991–2020 normals). It sees about 31.4 inches of snow a year.
Is ZIP Code 21704 at risk of flooding or natural disasters?
ZIP Code 21704's FEMA National Risk Index score is 13.5 (lower than 97% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

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