PlainZIP

Frederick, MD · standard

ZIP Code 21703

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

32,854
381/sq mi
$106,334
Median income
$384,600
Median home value
43.0%
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 22%
home value, US ZIPs
381
people per sq mi
67%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21703 against every reporting US ZIP.

ZIP code 21703 is a densely settled ZIP (a standard USPS delivery area) in Frederick, Frederick County, Maryland, with 32,854 residents across 86.1 square miles, a density of 381 people per square mile, in the New York time zone.

ZIP 21703 lands in the middle-income range, with a median household income of $106,334 (7% below the Maryland average), while per-capita income is $45,809. The poverty rate stands at 8.6% and the unemployment rate at 3.0%. The typical home here is valued at $384,600 (14% below the state average); renters pay a median of $1,991 monthly, and 66.5% of units are owner-occupied.

A solid share of residents have a four-year degree: 43.0% of adults hold a bachelor's degree or higher, the median age is 34.6, and the average commute is 34 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Frederick County, so you can benchmark 21703 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 21703

Top 5 sectors by establishment count in Frederick, MD

Which industries have the most business establishments in ZIP 21703.

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 21703, 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

32,854

Population

86.1

Area (sq mi)

381

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 21703?

34.6

Median Age

47.3%

Male

52.7%

Female

20.5%

Foreign-Born

White 50.2%
African American 19.8%
Asian 8.9%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 15.0%
Hispanic or Latino 18.7%

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?

$106,334

Median Household Income

-7% vs state

$45,809

Per Capita Income

8.6%

Poverty Rate

3.0%

Unemployment Rate

33.5 min

Mean Commute Time

How ZIP 21703 ranks nationally

Frederick, MD household income vs. every US ZIP code

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

$106,334 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 65.7%
Bachelor's Degree or Higher 43.0%

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

What does housing look like?

16,069

Total Housing Units

15,517

Occupied Units

552

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 66.5%
Renter 33.5%

$384,600

Median Home Value

-14% vs state

$1,991

Median Rent

1995

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

+4.7%

YoY Change (2024)

266

HPI Index (2000 = 100)

+166%

Total Change Since 2000

Home values in ZIP 21703 have increased 4.7% over the past year (2024). Since 2000, this ZIP has seen +166% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.2% 185
2021 +10.4% 204
2022 +15.2% 235
2023 +8.0% 254
2024 +4.7% 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 900 business establishments in ZIP 21703, employing approximately 18,318 people with a combined annual payroll of $1,240,918,000.

900

Businesses

18,318

Employees

$1.2B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 118 13.1%
Retail trade 99 11.0%
Health care and social assistance 98 10.9%
Construction 96 10.7%
Other services (except public administration) 79 8.8%
Accommodation and food services 75 8.3%
Administrative and support and waste management and remediation services 72 8.0%
Wholesale trade 51 5.7%
Finance and insurance 44 4.9%
Real estate and rental and leasing 43 4.8%
Management of companies and enterprises 29 3.2%
Transportation and warehousing 27 3.0%
Manufacturing 22 2.4%
Information 17 1.9%
Arts, entertainment, and recreation 15 1.7%
Educational services 12 1.3%

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 21703 vs 21717 →

ZIP 21703 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 21703 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 21703 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 21703 ranks #9 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
21717 Buckeystown, MD 54 2.8 mi
21714 Braddock Heights, MD 99 4.0 mi
21710 Adamstown, MD 4,515 4.9 mi
21705 Frederick, MD 8 4.3 mi
21755 Jefferson, MD 5,591 5.2 mi
21704 Frederick, MD 13,321 5.1 mi
21702 Frederick, MD 38,847 7.7 mi
21790 Tuscarora, MD 100 7.4 mi
21777 Point Of Rocks, MD 1,470 7.4 mi
21769 Middletown, MD 11,236 7.4 mi

More ZIP Codes in Frederick County

21702 standard
Frederick, MD
Pop: 38,847
21701 standard
Frederick, MD
Pop: 35,293
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 21703 in? ▼
ZIP code 21703 (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 21703? ▼
ZIP code 21703 in Frederick, MD has a population of 32,854 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21703? ▼
The median household income in ZIP 21703 is $106,334, which is 39% above the national average of $76,288.
What is the average home value in ZIP 21703? ▼
The median home value in ZIP 21703 is $384,600, which is 38% above the national average of $278,155.
What is the demographic makeup of ZIP 21703? ▼
The largest racial group in ZIP 21703 is White at 50.2%. Hispanic or Latino residents make up 18.7% of the population.
How many businesses are in ZIP code 21703? ▼
ZIP code 21703 has 900 business establishments employing approximately 18,318 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21703? ▼
The top industries by establishment count in ZIP 21703 are: Professional, scientific, and technical services (118), Retail trade (99), Health care and social assistance (98). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 21703? ▼
According to the FHFA House Price Index, home values in ZIP 21703 increased by 4.7% 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 21703? ▼
In ZIP code 21703, 65.7% of residents aged 25+ have a high school diploma or higher, and 43.0% 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 21703? ▼
The mean commute time for workers in ZIP code 21703 is 33.5 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 21703? ▼
In ZIP code 21703, approximately 66.5% of occupied housing units are owner-occupied and 33.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21703? ▼
The poverty rate in ZIP code 21703 is 8.6% 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.