Monrovia, Maryland.
Typical home $657,833 (+0.3% in a year). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
to buy the typical home at today's mortgage rate — +$1,765 (+105%) since Jan 2020.
- 1 year
- Up $2,239 +0%
- $655,594$657,833 since Sep 2025
- 5 years
- Up $100,653 +18%
- $557,181$657,833 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.
- Monrovia$3,453
- 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 Monrovia, MD rose 0.3% over the past year — slower than the nation's +1.2%.
Living in Monrovia, Frederick County, Maryland
Monrovia, in Frederick County, had 2,702 people in the 2020 census. 98% of its homes are lived in by their owners and 2% 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 people in Frederick County 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 It can be wrong or out of date.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. Monrovia is a small community in Frederick County where nearly everyone owns the home they live in, a much higher share than across the county. Typical home values run high, and no one in town lives below the poverty line. Residents tend to be well educated, with most adults holding a four-year degree. Winters are cold, with a good amount of snow, and summers turn warm; rain and melted snow add up to a generous total over the year.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in shops, or in government. Across Frederick County, some of the largest workplaces are Frederick County Public Schools, Frederick Memorial Hospital and Frederick Community College. The typical commute is long, and a good number of people work from home instead.
Things to do. Adventure Park USA, an amusement park, is in or beside town. A short drive away are Sugar Loaf Mountain, a protected area, and Monocacy National Battlefield, an archaeological site open to visitors. The Patuxent River, also a short drive away, offers a quieter outing near the water.
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- 1,041households
- 72%of adults have a degree
- 0%below the poverty line
- 37 mintypical commute
- 30%work from home
What people in Frederick County 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 39° and lows near 24°; warmest in July, with highs near 84° and lows near 66°. About 31 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Damascus Ssw weather station, 7 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; Monrovia has none 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
- Strong windRelatively moderate
- LightningRelatively 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 Monrovia’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.
Monrovia home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Monrovia$657,833
- Maryland$424,890
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Monrovia listings — the market is roughly in balance.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Monrovia30.53%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Monrovia23
New listings per month
Sellers arriving at the market.
- Monrovia8
Zip codes with a Monrovia address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Monrovia — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.