HousingHandbookReference data

U.S. ZIP Code · MD21778

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

Typical home value

$449,156[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.4%
5-year / yr
+5.4%
10-year / yr
+5.6%

Relative price

vs U.S.
+58.1%
vs metro
-23.5%
vs state
≈ state median
ZIP 21778 location in MD
Location of ZIP 21778 in MD

Price history

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

The typical home in 21778 is worth $449,156 — 23.5% below the Washington-Arlington-Alexandria, DC-VA-MD-WV median. Over the past year, values have risen 2.4%. The effective property tax rate is 0.7%.

#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
0.7%[3]
Typical annual tax
$3,055[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
745[3]
Median household income
$76,458[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

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$2,271
Loan principal$359,325
Down payment$89,831
Total interest paid$458,299

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$2,900
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
89th percentile[1]
Rental yield
[2]
Property tax
25th percentile[3]

Frequently asked

How much is a home worth in ZIP code 21778?
The typical home in 21778 is worth $449,156, based on the Zillow Home Value Index.
Are home values rising in 21778?
Home values in 21778 are up 2.4% over the past year, and up 5.4% a year over five years.
What is the property tax rate in 21778?
The effective property tax rate in 21778 is 0.7% — roughly $3,055 a year on a typical home.
Who lives in 21778?
ZIP code 21778 has a population of 745 and a median household income of $76,458.

#Comparable ZIPs

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

  • Flower Hill CDP, MD

    Typical home
    $449,446
    Gross yield
    6.1%
  • Alexandria, VA

    Typical home
    $450,155
    Gross yield
    5.5%
  • Fort Washington CDP, MD

    Typical home
    $450,720
    Gross yield
    4.3%
  • Mount Rainier, MD

    Typical home
    $450,765
    Gross yield
    4.3%
  • Aspen Hill CDP, MD

    Typical home
    $447,275
    Gross yield
    5.1%
  • Remington, VA

    Typical home
    $446,065
    Gross yield

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