HousingHandbookReference data

U.S. ZIP Code · MD21770

Frederick County · Washington-Arlington-Alexandria, DC-VA-MD-WV

Typical home value

$670,487[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+0.4%
5-year / yr
+4.6%
10-year / yr
+4.5%

Relative price

vs U.S.
+136.0%
vs metro
+14.2%
vs state
+48.8%
ZIP 21770 location in MD
Location of ZIP 21770 in MD

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 21770 is worth $670,487 — 14.2% above the Washington-Arlington-Alexandria, DC-VA-MD-WV median. Over the past year, values have risen 0.4%. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.8%[3]
Typical annual tax
$5,523[3]

#Climate risk

FEMA National Risk Index ratings for Frederick County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Relatively Moderate
Heat wave
Relatively Moderate
Hurricane
Relatively Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively High

#Who lives here

Population
8,751[3]
Median household income
$183,571[3]

#Migration

Household moves in and out of Frederick County over a year, from IRS tax-return data.

Net migration
+798[5]
Moved in
8,716
Moved out
7,918

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
2
Elementary
2
Middle
0
High
0
  • Green Valley Elementary

    Elementary · Grades K–5 · Frederick County Public Schools

    839 students

  • Kemptown Elementary

    Elementary · Grades K–5 · Frederick County Public Schools

    436 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$3,390
Loan principal$536,390
Down payment$134,097
Total interest paid$684,135

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$4,407
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
70th percentile[1]
Rental yield
[2]
Property tax
43rd percentile[3]

Frequently asked

How much is a home worth in ZIP code 21770?
The typical home in 21770 is worth $670,487, based on the Zillow Home Value Index.
Are home values rising in 21770?
Home values in 21770 are up 0.4% over the past year, and up 4.6% a year over five years.
What is the property tax rate in 21770?
The effective property tax rate in 21770 is 0.8% — roughly $5,523 a year on a typical home.
Who lives in 21770?
ZIP code 21770 has a population of 8,751 and a median household income of $183,571.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Olney CDP, MD

    Typical home
    $669,452
    Gross yield
    4.8%
  • Adamstown CDP, MD

    Typical home
    $669,109
    Gross yield
  • Washington, VA

    Typical home
    $665,310
    Gross yield
  • Rose Hill CDP, VA

    Typical home
    $677,043
    Gross yield
    4.9%
  • Calverton CDP, VA

    Typical home
    $661,954
    Gross yield
  • Silver Spring CDP, MD

    Typical home
    $661,810
    Gross yield
    3.7%

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