Frederick, MD — Momentum Score, Home Values & Best-For

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Frederick County · Washington-Arlington-Alexandria · population 89,537

Growing fast
Frederick, MD
Image: Wikipedia · Frederick, Maryland
View watchlist →
66
Rising
Momentum score · 0–100

Where Frederick stands

At or near all-time high. population growing 3.5% per year.

Median home $468,098
1-year -0.9%
5-yr CAGR +4.6%
vs 5-yr peak -1.0%
Population +3.5%/yr

Home value trajectory · last 10 years

Zillow ZHVI · monthly
peak 2025-05$468k$272k$345k$418k$492k201620182020202220242026

Lifestyle scores

🚶
Walkability
52/100
Somewhat walkable
Estimated from population density. Higher = denser, more amenities within walking distance.
🚉
Public transit
30/100
Minimal transit
Curated list of major US transit systems + population-based estimate. Higher = real subway/rail/bus options.
💻
Remote work fit
82/100
Excellent for remote work
Composite of city size, housing cost, state tax structure, and region's remote-work track record.

Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.

Rent trajectory · last 5 years

Zillow ZORI · monthly
$2,121/mo$1,569$1,909$2,248202220242026

Home value vs rent · indexed to 100

Both rebased at first month of ZORI data (~2015)
Home valueRent125127100120202220242026

Rent vs buy

Price-to-rent ratio: 18.4
Lean buy

At a 18.4 price-to-rent ratio, Frederick is in the 'depends on horizon' zone. Buy if you'll be there 5+ years and value flexibility on the home; rent if you might move, want zero maintenance friction, or expect rates to drop.

How the momentum score breaks down

methodology →
Home YoY
45 · w22%
Home 5-yr CAGR
63 · w22%
Distance from peak
84 · w18%
Population growth
90 · w16%
Rent YoY
52 · w12%
Home 10-yr CAGR
60 · w10%
Long thesis

Frederick has held up across the cycle: home values at $468,098 with +4.6% 5-year CAGR. The bull case is structural — population, location, employer base — and holds even if next year's print is soft.

Short thesis

Frederick's bear case is the boring one: the cycle is real and any market that's run hard can stall. Watch for slowing population growth, rising days-on-market, or builder discounts as the early warning signals.

About Frederick

Frederick is a city in Frederick County, Maryland, with an estimated population of 89,537. It anchors the Washington-Arlington-Alexandria metro area. The population has grown 3.5% per year on average between 2020 and 2024 — among the faster-growing communities in the state. The median home value in Frederick is $468,098 as of 2026-04, down 0.9% over the last 12 months. Over the last five years, home values have averaged +4.6% annual growth, with prices at or near the 5-year peak. Rents in Frederick average $2,121 per month, roughly flat year-over-year (+1.1%). The composite momentum score is 66 of 100 (Rising). The market is healthy with prices supported by underlying demand.

Bull case

People are voting with their feet: population growing 3.5% per year since 2020 — that’s faster than ~80% of US cities.
Held the highs: currently -1.0% from the 5-year peak — this market refused to give back gains.

Bear case

Local nuance: city-level data smooths over neighborhood differences. School zones, HOA rules, and street-level character matter — visit before deciding.

About Frederick (Wikipedia)

Frederick is a city in and the county seat of Frederick County, Maryland, United States. Frederick's population was 78,171 people as of the 2020 census, making it the second-largest incorporated city in Maryland behind Baltimore. It is a part of the Washington metropolitan area and the greater Washington–Baltimore combined statistical area.

Source: Wikipedia · this summary is contributed and licensed under CC-BY-SA.

City facts

Area24.56 sq mi
Elevation341 ft
Founded1745
Nickname"The City of Clustered Spires"
Motto"Join the Story!"Cite news
Density3264.33/sq mi

Extracted from the Wikipedia infobox. Values may be slightly out of date relative to the latest sources.

Playbook

Buyer

You're not in a frenzy but you're not getting bargains either. Make a competitive offer with normal inspection terms. Don't lowball — the listing will move with or without you.

Seller

Price at fair market value; expect movement in 30-45 days. Don't get clever with terms (rent-back, contingencies) — buyers in a Rising market have options.

Investor

Appreciation tailwind exists but cash flow requires discipline on price. Run the numbers conservatively and confirm rent comps before committing.

Local safety & alerts

No active National Weather Service alerts for Frederick County right now.

Public-safety links are official .gov sources, not curated by us. Frederick County routes NWS alerts; check the state EM portal for non-weather emergencies.

Cities like Frederick

Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.

Climate & natural-disaster risk

Winter (Jan)
42° / 25°
avg high / low
Summer (Jul)
87° / 68°
avg high / low
Sunny days/yr
203
~56% of year
Annual precip
44″ rain
18″ snow
Disaster risk (1=very low, 5=very high)
Hurricane
Moderate
Tornado
Low
Wildfire
Very low
Earthquake
Very low
Flood
Moderate

State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.

Local sports teams

Major professional teams the Washington-Arlington-Alexandria area cheers for. Detailed stats, schedules, and player pages on intherafters.com.

Current weather

Loading current conditions…

7-day forecast on weather.gov →

Find rentals & listings

Open current Frederick listings on the major real-estate sites.

Links open the live search on the destination site — results are always current.

Local news & community

Updated 2026-05-21 from Google News + Reddit RSS. Headlines link to original sources.

Local economy & environment

Humidity
68%
Moderate climate
Median household income
$98,500
Maryland state median
Top industries (state-level)
Government/DefenseBiotechHealthcare

Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.

Cities similar to Frederick

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