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ZIP Code 21788

Frederick, Maryland

FIPS 21788

Juniper

ZIP Code 21788 is in the top 15% nationally for FEMA risk score, but in the bottom 28% nationally for price-to-income ratio. It also sits in the 79th percentile nationally for median home value. And it sits in the top 36% nationally for appreciation 1yr %.

Median Home Value

$379,200

Higher than 79% of U.S. ZIP codes

HPI Growth 5yr %

38%

Higher than 60% of U.S. ZIP codes

FEMA Risk Score

29.4

Lower than 85% of U.S. ZIP codes

The basics

Total Population

11,654

Median Age

44.6

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$379,200

Higher than 79%

Median Property Tax

$3,526

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.84

Higher than 72%

Median Rent

$959

Higher than 57%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

38%

Higher than 60%

Appreciation 1yr %

-0.9%

Higher than 64%

Pandemic Gain %

32%

Recession Drop %

-30%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

81.6

Winter Avg Low (°F)

25.3

Avg Temperature (°F)

53.4

Hot Days/yr (>90°F)

6.5

Freezing Days/yr (<32°F)

105.9

Annual Precipitation (in)

48.6

Annual Snowfall (in)

27.5

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

29.4

Lower than 85%

The full report

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

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 21788: frequently asked questions

What is the median home value in ZIP Code 21788?
The median home value in ZIP Code 21788 is $379,200, higher than 79% of U.S. ZIP codes.
How much is property tax in ZIP Code 21788?
The median annual property tax in ZIP Code 21788 is $3,526, an effective rate of 1% of home value.
Is ZIP Code 21788 expensive to live in?
Homes in ZIP Code 21788 cost about 3.84× the median household income, higher than 72% of U.S. ZIP codes.
What is the average rent in ZIP Code 21788?
The median gross rent in ZIP Code 21788 is $959 a month, higher than 57% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 21788?
Home prices in ZIP Code 21788 have moved 38% over the past five years (-0.9% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 21788?
ZIP Code 21788 averages 53.4°F year-round, summer highs near 81.6°F, winter lows around 25.3°F (NOAA 1991–2020 normals). It sees about 27.5 inches of snow a year.
Is ZIP Code 21788 at risk of flooding or natural disasters?
ZIP Code 21788's FEMA National Risk Index score is 29.4 (lower than 85% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

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