PlainZIP

Frederick, MD · standard

ZIP Code 21702

Frederick County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

38,847
371/sq mi
$106,983
Median income
$426,300
Median home value
41.4%
Bachelor's or higher

The verdict

Frederick pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 15%
household income, US ZIPs
Top 18%
home value, US ZIPs
371
people per sq mi
65%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21702 against every reporting US ZIP.

ZIP code 21702 is a densely settled ZIP (a standard USPS delivery area) in Frederick, Frederick County, Maryland, with 38,847 residents across 104.6 square miles, a density of 371 people per square mile, in the New York time zone.

ZIP 21702 lands in the middle-income range, with a median household income of $106,983 (6% below the Maryland average), while per-capita income is $50,065. 8.9% of residents live below the poverty line, and the unemployment rate reads 3.2%. On housing, the median home value is $426,300 (5% below the state average) with median rent at $1,770 per month, and 65.2% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 41.4% of adults hold a bachelor's degree or higher, the median age is 38.1, and the average commute is 31 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Frederick County, so you can benchmark 21702 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 21702

Top 5 sectors by establishment count in Frederick, MD

Which industries have the most business establishments in ZIP 21702.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 21702, Frederick, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

38,847

Population

104.6

Area (sq mi)

371

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 21702?

38.1

Median Age

48.5%

Male

51.5%

Female

21.6%

Foreign-Born

White 53.1%
African American 16.7%
Asian 5.9%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.0%
Hispanic or Latino 21.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$106,983

Median Household Income

-6% vs state

$50,065

Per Capita Income

8.9%

Poverty Rate

3.2%

Unemployment Rate

31.2 min

Mean Commute Time

How ZIP 21702 ranks nationally

Frederick, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$106,983 Top 15% higher than 85% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 61.8%
Bachelor's Degree or Higher 41.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

19,462

Total Housing Units

18,525

Occupied Units

937

Vacant Units

2.63

Avg Household Size

Occupancy Type

Owner 65.2%
Renter 34.8%

$426,300

Median Home Value

-5% vs state

$1,770

Median Rent

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+9.7%

YoY Change (2024)

266

HPI Index (2000 = 100)

+166%

Total Change Since 2000

Home values in ZIP 21702 have increased 9.7% over the past year (2024). Since 2000, this ZIP has seen +166% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.1% 182
2021 +14.0% 208
2022 +15.0% 239
2023 +1.4% 242
2024 +9.7% 266

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 880 business establishments in ZIP 21702, employing approximately 12,976 people with a combined annual payroll of $782,173,000.

880

Businesses

12,976

Employees

$782.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 234 26.6%
Professional, scientific, and technical services 115 13.1%
Retail trade 100 11.4%
Other services (except public administration) 92 10.4%
Construction 83 9.4%
Accommodation and food services 69 7.8%
Administrative and support and waste management and remediation services 48 5.5%
Finance and insurance 41 4.7%
Real estate and rental and leasing 36 4.1%
Wholesale trade 20 2.3%
Transportation and warehousing 13 1.5%
Arts, entertainment, and recreation 7 0.8%
Manufacturing 6 0.7%
Educational services 6 0.7%
Information 5 0.6%
Management of companies and enterprises 3 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 21702 vs 21714 →

ZIP 21702 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 21702 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 21702 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 21702 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
21714 Braddock Heights, MD 99 4.9 mi
21705 Frederick, MD 8 5.4 mi
21703 Frederick, MD 32,854 7.7 mi
21793 Walkersville, MD 9,775 6.0 mi
21769 Middletown, MD 11,236 6.3 mi
21788 Thurmont, MD 11,622 8.2 mi
21701 Frederick, MD 35,293 6.9 mi
21773 Myersville, MD 5,460 6.6 mi
21717 Buckeystown, MD 54 9.8 mi
21704 Frederick, MD 13,321 9.7 mi

More ZIP Codes in Frederick County

21701 standard
Frederick, MD
Pop: 35,293
21703 standard
Frederick, MD
Pop: 32,854
21771 standard
Mount Airy, MD
Pop: 29,563
21704 standard
Frederick, MD
Pop: 13,321
21774 standard
New Market, MD
Pop: 11,662
21788 standard
Thurmont, MD
Pop: 11,622

Related Areas

Frederick County Frederick, MD Maryland

Frequently Asked Questions

What county is ZIP code 21702 in? ▼
ZIP code 21702 (Frederick) is located in Frederick County, Maryland. Frederick County contains multiple ZIP codes, see the full list at /counties/frederick-md.
What is the population of ZIP code 21702? ▼
ZIP code 21702 in Frederick, MD has a population of 38,847 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21702? ▼
The median household income in ZIP 21702 is $106,983, which is 40% above the national average of $76,288.
What is the average home value in ZIP 21702? ▼
The median home value in ZIP 21702 is $426,300, which is 53% above the national average of $278,155.
What is the demographic makeup of ZIP 21702? ▼
The largest racial group in ZIP 21702 is White at 53.1%. Hispanic or Latino residents make up 21.8% of the population.
How many businesses are in ZIP code 21702? ▼
ZIP code 21702 has 880 business establishments employing approximately 12,976 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21702? ▼
The top industries by establishment count in ZIP 21702 are: Health care and social assistance (234), Professional, scientific, and technical services (115), Retail trade (100). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 21702? ▼
According to the FHFA House Price Index, home values in ZIP 21702 increased by 9.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 166%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 21702? ▼
In ZIP code 21702, 61.8% of residents aged 25+ have a high school diploma or higher, and 41.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 21702? ▼
The mean commute time for workers in ZIP code 21702 is 31.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 21702? ▼
In ZIP code 21702, approximately 65.2% of occupied housing units are owner-occupied and 34.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21702? ▼
The poverty rate in ZIP code 21702 is 8.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.