Jefferson, Maryland.
Typical home $559,295 (-0.2% in a year). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
to buy the typical home at today's mortgage rate — +$1,513 (+106%) since Jan 2020.
- 1 year
- Down $1,253 -0%
- $560,549$559,295 since Sep 2025
- 5 years
- Up $86,952 +18%
- $472,343$559,295 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.
- Jefferson$2,936
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Jefferson, MD fell 0.2% over the past year — slower than the nation's +1.2%.
Living in Jefferson, Frederick County, Maryland
Jefferson, in Frederick County, had 2,697 people in the 2020 census. Half its households earn more than $150,854 a year and half less, against $122,002 across Frederick County; 2% of its people live below the poverty line. 86% of its homes are lived in by their owners and 14% are rented. Unemployment in Frederick County was 3.3% in August 2026, and the county had 1.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Jefferson is a small community in Frederick County, Maryland, where nearly everyone who lives here owns their home. Household incomes run well above the county's, very few residents live below the poverty line, and a four-year degree is common among adults. Winters are cold, with January the coldest month, summers are warm and the year brings a fair amount of rain and melted snow.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in manufacturing or in shops. Across Frederick County, the largest workplaces include Frederick County Public Schools, Frederick Memorial Hospital and the Frederick National Laboratory for Cancer Research at Fort Detrick. Commutes are fairly typical for the region, and a good number of people work from home.
Things to do. Gambrill State Park, a protected area, and Gathland State Park are both a short drive away, as is Monocacy National Battlefield, a historic battlefield site. Catoctin Creek, a river, is close by as well. For a longer outing, Harpers Ferry National Historical Park is a longer drive away.
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- 1,146households
- 47%of adults have a degree
- 2%below the poverty line
- 29 mintypical commute
- 26%work from home
What residents work in
Employed residents by industry, from the Census survey. Frederick County had 106,962 jobs in 2025, 1.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 43° and lows near 26°; warmest in July, with highs near 89° and lows near 68°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Frederick Police Brks weather station, 6 miles away (NOAA).
Largest workplaces in Frederick County
- Frederick County Public SchoolsSchool district7,031FTE
- Frederick Memorial HospitalGeneral hospital2,071FTE
- Frederick National Laboratory for Cancer Research - Ft. DetrickLife sciences research and development laboratories or services1,273
- Frederick Community CollegeTwo-year college1,069
- AstraZeneca Frederick Manufacturing CenterCulture media manufacturing772
- Thermo Fisher ScientificGeneral warehousing and storage650
- NVRManufacturer of house componets645
- FRE - Aldi INC Maryland621
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 208 workplaces with 20 or more staff, 25,121 people in all across the county; Jefferson has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- DroughtRelatively moderate
- LightningRelatively moderate
- Strong windRelatively moderate
- HailRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Jefferson’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Frederick County and the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
Jefferson home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Jefferson$559,295
- Maryland$424,890
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Jefferson15
New listings per month
Sellers arriving at the market.
- Jefferson6
Zip codes with a Jefferson address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Jefferson — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.