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 High-density area
- $106,334
- Median income Above-median income area
- $384,600
- Median home value Above-median home value
- 43.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 21703 (Frederick, MD) rose +4.7% from 2023 to 2024. The all-transactions index moved from 253.9 in 2023 to 265.7 in 2024 (2000 = 100).
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 average Maryland ZIP), while per-capita income is $45,809. The poverty rate is 8.6%, with unemployment at 3.0%; those measures add context to the income figure. Median home value is $384,600 (14% below the average Maryland ZIP) and median rent is $1,991; 66.5% of occupied homes 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Frederick County, so 21703 can be compared with both its immediate and county-level context.
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.
- Professional, scientific, and technical services
Professional, scientific, and technical services
118 establishments
- Retail trade
Retail trade
99 establishments
- Health care and social assistance
Health care and social assistance
98 establishments
- Construction
Construction
96 establishments
- Other services (except public administration)
Other services (except public administration)
79 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, 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
Who lives in ZIP 21703?
34.6
Median Age
47.3%
Male
52.7%
Female
20.5%
Foreign-Born
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 ZIP avg
$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
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
16,069housing units
16,069
Total Housing Units
15,517
Occupied Units
552
Vacant Units
2.69
Avg Household Size
Occupancy Type
$384,600
Median Home Value
-14% vs state ZIP avg
$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.
- 21702
Frederick (21702)
38,847 residents
- 21703
Frederick (21703)
32,854 residents
- 21704 13,321
Frederick (21704)
13,321 residents
- 21769 11,236
Middletown (21769)
11,236 residents
- 21755 5,591
Jefferson (21755)
5,591 residents
- 21710 4,515
Adamstown (21710)
4,515 residents
- 21777 1,470
Point Of Rocks (21777)
1,470 residents
- 21790 100
Tuscarora (21790)
100 residents
- 21714 99
Braddock Heights (21714)
99 residents
What this shows Among its immediate neighbors, ZIP 21703 ranks #2 by population - useful context the national average alone can't give.
ZIP 21703 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 21710
Adamstown (21710)
$163,864 median income
- 21714
Braddock Heights (21714)
$161,806 median income
- 21704
Frederick (21704)
$161,063 median income
- 21777
Point Of Rocks (21777)
$159,708 median income
- 21717
Buckeystown (21717)
$158,413 median income
- 21769
Middletown (21769)
$151,563 median income
- 21755
Jefferson (21755)
$137,417 median income
- 21702
Frederick (21702)
$106,983 median income
- 21703
Frederick (21703)
$106,334 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21703, both outside MD so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (32,854 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Frederick County
Related Areas
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.
Related
Take this with you
What to do with ZIP 21703's numbers, next.
- See how ZIP 21703 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Frederick, MD ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.