Zip lookup · MD

21703
Frederick, Maryland.

Frederick, Frederick County, MD · Washington-Arlington-Alexandria, DC-VA-MD-WV metro · population 41,960

What it costs per month · 21703 $2,153/mo

to buy the typical home at today's mortgage rate — +$1,081 (+101%) since Jan 2020.

What the home itself did
1 year
Down $5,401 -1%
$415,672$410,271 since Sep 2025
5 years
Up $58,442 +17%
$351,828$410,271 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 21703 $2,153 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 21703$2,153
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 23 years.

Typical home values in zip 21703 fell 1.3% over the past year — slower than the nation's +1.2%.

Asking rents in zip 21703 rose 2.4% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 21703 runs $634/mo more than renting one. The gap peaked at $841 in May 2024.

That is $2,930 a month against $2,296 rent: a $2,153 mortgage payment, plus $337 property tax and $439 insurance & upkeep.

Owning vs renting — zip 21703

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,000 $2,000 $3,000 2020 2021 2022 2023 2024 2025 2026 Owning all in $2,930 Renting $2,296 Mortgage only $2,153
$1,000 $2,000 $3,000 2020 2022 2024 2026
  • Owning all in$2,930
  • Renting$2,296
  • Mortgage only$2,153

Property tax · $337/mo 0.99% of value a year — the ACS 2020-2024 median bill over the median home value for Frederick County, MD

Insurance & upkeep · $439/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Frederick, MD — measured over the city limits, which is a different area from this zip.

Asking rent $2,296 as of Sep 2026
+2.4%year on year
Typical home value $410,271 as of Sep 2026
-1.3%year on year

Asking rent — 21703

Against the Washington-Arlington-Alexandria, DC-VA-MD-WV metro and the national benchmark.

$1,500 $1,750 $2,000 $2,250 2020 2021 2022 2023 2024 2025 2026 21703 $2,296 Washington $2,407 United States $1,932
$1,500 $1,750 $2,000 $2,250 2020 2022 2024 2026
  • 21703$2,296
  • Washington$2,407
  • United States$1,932

Typical home value — 21703

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 21703 $410,271 Washington $569,857 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • 21703$410,271
  • Washington$569,857
  • United States$366,157

Within 20 miles

Showing 30 of 47 zips in range — sorting picks from all 47.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
5.2 21710 Adamstown 4,661 — $653,366
5.3 21755 Jefferson 5,909 — $560,040
5.4 21704 Frederick 20,006 $2,994 $644,613
7.0 21777 Point Of Rocks 2,462 — $514,991
7.3 21769 Middletown 11,965 $1,824 $558,052
7.7 21702 Frederick 49,605 $1,958 $451,936
8.8 21754 Ijamsville 8,156 — $680,004
9.0 21701 Frederick 43,048 $2,158 $443,257
9.0 21716 Brunswick 7,200 $2,074 $413,043
10.4 21758 Knoxville 4,409 — $461,324
10.5 21779 Rohrersville 1,311 — $476,006
10.6 21774 New Market 17,134 $2,821 $591,215
10.7 21793 Walkersville 10,719 $2,000 $460,763
11.4 20180 Lovettsville 7,531 — $788,895
11.4 20838 Barnesville 306 — $704,561
11.4 20842 Dickerson 2,369 — $730,463
11.4 21770 Monrovia 8,751 — $652,546
12.4 21773 Myersville 5,826 — $547,465
12.7 20871 Clarksburg 30,182 $3,062 $624,133
13.4 20176 Leesburg 51,471 $2,387 $828,624
13.5 20839 Bealsville 158 — $653,359
13.7 21756 Keedysville 3,640 — $461,598
14.1 21762 Libertytown 139 — $324,370
14.6 20197 Waterford 1,825 — $1,306,448
14.6 20872 Damascus 13,983 — $540,987
14.8 21798 Woodsboro 2,928 — $500,713
14.9 20841 Boyds 9,969 — $822,871
15.1 21713 Boonsboro 9,846 — $409,288
15.5 20129 Paeonian Springs 538 — $1,291,862
15.8 21788 Thurmont 11,654 $2,262 $391,478

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.