Point Of Rocks, MD · standard
ZIP Code 21777
Frederick County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,470
- 260/sq mi High-density area
- $159,708
- Median income Above-median income area
- $480,500
- Median home value Above-median home value
- 44.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Point Of Rocks pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 3%
- household income, US ZIPs
- Top 14%
- home value, US ZIPs
- 260
- people per sq mi
- 98%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21777 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 21777 (Point Of Rocks, MD) fell -1.8% from 2023 to 2024. The all-transactions index moved from 267.1 in 2023 to 262.2 in 2024 (2000 = 100).
ZIP code 21777 is a sparsely populated ZIP (a standard USPS delivery area) in Point Of Rocks, Frederick County, Maryland, home to just 1,470 residents across 5.7 square miles, a density of 260 people per square mile, in the New York time zone.
ZIP 21777 skews affluent, with a median household income of $159,708 (40% above the average Maryland ZIP), while per-capita income is $61,095. The poverty rate is 1.5%, with unemployment at 4.0%; those measures add context to the income figure. Median home value is $480,500 (7% above the average Maryland ZIP); 97.6% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 44.8% of adults hold a bachelor's degree or higher, the median age is 43.8, and the average commute is -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Frederick County, so 21777 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 21777
Top 5 sectors by establishment count in Point Of Rocks, MD
Which industries have the most business establishments in ZIP 21777.
- Other services (except public administration)
Other services (except public administration)
5 establishments
- Construction
Construction
3 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
3 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 21777, Point Of Rocks, 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
1,470
Population
5.7
Area (sq mi)
260
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 21777?
43.8
Median Age
53.2%
Male
46.8%
Female
6.9%
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?
$159,708
Median Household Income
+40% vs state ZIP avg
$61,095
Per Capita Income
1.5%
Poverty Rate
4.0%
Unemployment Rate
How ZIP 21777 ranks among Maryland ZIPs
Point Of Rocks, MD household income vs. every Maryland ZIP code
Median household income among 419 reporting Maryland ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$159,708 Top 16% higher than 84% of 419 Maryland ZIPs
Each bar is a $20K-wide band; taller bars hold more Maryland 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
817housing units
817
Total Housing Units
817
Occupied Units
0
Vacant Units
3.01
Avg Household Size
Occupancy Type
$480,500
Median Home Value
+7% vs state ZIP avg
1999
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
-1.8%
YoY Change (2024)
262
HPI Index (2000 = 100)
+162%
Total Change Since 2000
Home values in ZIP 21777 have decreased 1.8% over the past year (2024). Since 2000, this ZIP has seen +162% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.3% | 184 |
| 2021 | +11.3% | 204 |
| 2022 | +7.3% | 219 |
| 2023 | +21.8% | 267 |
| 2024 | -1.8% | 262 |
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 25 business establishments in ZIP 21777, employing approximately 552 people with a combined annual payroll of $55,688,000.
25
Businesses
552
Employees
$55.7M
Annual Payroll
3
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 5 | 20.0% |
| Construction | 3 | 12.0% |
| Professional, scientific, and technical services | 3 | 12.0% |
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 21777 vs 21790 →
ZIP 21777 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20176
Leesburg (20176)
46,506 residents
- 21703
Frederick (21703)
32,854 residents
- 20180 6,549
Lovettsville (20180)
6,549 residents
- 21755 5,591
Jefferson (21755)
5,591 residents
- 21716 4,885
Brunswick (21716)
4,885 residents
- 21710 4,515
Adamstown (21710)
4,515 residents
- 20197 1,840
Waterford (20197)
1,840 residents
- 20842 1,824
Dickerson (20842)
1,824 residents
- 21777 1,470
Point Of Rocks (21777)
1,470 residents
What this shows Among its immediate neighbors, ZIP 21777 ranks #9 by population - useful context the national average alone can't give.
ZIP 21777 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 20842
Dickerson (20842)
$204,013 median income
- 20197
Waterford (20197)
$190,703 median income
- 20176
Leesburg (20176)
$168,299 median income
- 21710
Adamstown (21710)
$163,864 median income
- 21777
Point Of Rocks (21777)
$159,708 median income
- 21717
Buckeystown (21717)
$158,413 median income
- 20180
Lovettsville (20180)
$151,483 median income
- 21755
Jefferson (21755)
$137,417 median income
- 21716
Brunswick (21716)
$109,382 median income
What this shows By household income, ZIP 21777 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 21790 | Tuscarora, MD | 100 | 1.7 mi |
| 21710 | Adamstown, MD | 4,515 | 4.3 mi |
| 20176 | Leesburg, VA | 46,506 | 6.0 mi |
| 20180 | Lovettsville, VA | 6,549 | 6.3 mi |
| 21755 | Jefferson, MD | 5,591 | 6.8 mi |
| 21716 | Brunswick, MD | 4,885 | 6.2 mi |
| 21703 | Frederick, MD | 32,854 | 7.4 mi |
| 20842 | Dickerson, MD | 1,824 | 6.5 mi |
| 21717 | Buckeystown, MD | 54 | 6.6 mi |
| 20197 | Waterford, VA | 1,840 | 7.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 21777, 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 (1,470 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 21777 in?
ZIP code 21777 (Point Of Rocks) 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 21777?
ZIP code 21777 in Point Of Rocks, MD has a population of 1,470 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21777?
The median household income in ZIP 21777 is $159,708, which is 109% above the national average of $76,288.
What is the average home value in ZIP 21777?
The median home value in ZIP 21777 is $480,500, which is 73% above the national average of $278,155.
What is the demographic makeup of ZIP 21777?
The largest racial group in ZIP 21777 is White at 67.7%. Hispanic or Latino residents make up 15.3% of the population.
How many businesses are in ZIP code 21777?
ZIP code 21777 has 25 business establishments employing approximately 552 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21777?
The top industries by establishment count in ZIP 21777 are: Other services (except public administration) (5), Construction (3), Professional, scientific, and technical services (3). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 21777?
According to the FHFA House Price Index, home values in ZIP 21777 decreased by 1.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 162%. 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 21777?
In ZIP code 21777, 72.6% of residents aged 25+ have a high school diploma or higher, and 44.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 21777?
In ZIP code 21777, approximately 97.6% of occupied housing units are owner-occupied and 2.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21777?
The poverty rate in ZIP code 21777 is 1.5% 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 21777's numbers, next.
- See how ZIP 21777 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Point Of Rocks, 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.