PlainZIP

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
$159,708
Median income
$480,500
Median home value
44.8%
Bachelor's or higher

The verdict

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.

ZIP code 21777 is classified by USPS as a standard delivery area and covers roughly 5.7 square miles in Point Of Rocks, Frederick County, Maryland. The area is home to 1,470 residents, producing a population density of 260 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 21777 against Maryland and the nation.

On the economic side, the median household income for ZIP 21777 sits at $159,708 (40% above the Maryland average), while per-capita income is $61,095. The poverty rate stands at 1.5% and the unemployment rate at 4.0%. On housing, the median home value is $480,500 (7% above the state average) with median rent at — per month, and 97.6% of occupied units are owner-occupied, a direct signal of whether 21777 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 44.8% of adults hold a bachelor's degree or higher, the median age is 43.8, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Frederick County, so you can benchmark 21777 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 21777

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 21777.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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

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 21777?

43.8

Median Age

53.2%

Male

46.8%

Female

6.9%

Foreign-Born

White 67.7%
African American 12.5%
Asian 6.4%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.0%
Hispanic or Latino 15.3%

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

$61,095

Per Capita Income

1.5%

Poverty Rate

4.0%

Unemployment Rate

How ZIP 21777 ranks nationally

Household income vs. every US ZIP code

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

$159,708 Top 3% higher than 97% 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%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $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 72.6%
Bachelor's Degree or Higher 44.8%

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

What does housing look like?

817

Total Housing Units

817

Occupied Units

0

Vacant Units

3.01

Avg Household Size

Occupancy Type

Owner 97.6%
Renter 2.4%

$480,500

Median Home Value

+7% vs state

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.

residents

What this shows Among its immediate neighbors, ZIP 21777 ranks #9 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 21777 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 21777 ranks #5 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
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

More ZIP Codes in Frederick County

21702 standard
Frederick, MD
Pop: 38,847
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

Related Areas

Frederick County Point Of Rocks, MD Maryland

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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Point Of Rocks, MD

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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