Frederick 21702

Frederick County, MD · 15,685 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

56affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
26.9%
affordable
Days on market
43
daily
Price cuts
22.6%
of active
Valuation
-8.5%
vs assessor
Look up an address
64
/100
stable
stable · balanced · prices easing year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

36/ 100SellerBalancedBuyer
Seller's Market
DOM: 57d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)10
Supply & Demand (20%)85
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)60

Seller-favored market in 21702. Expect to pay at or near list price. Payment burden: 26.9% of median income. Median days on market: 57. Renting is approximately 60% cheaper than buying (price-to-rent ratio: 19.2).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$464,578
▾ 0.6% YoY
Days on market
43
daily · zip_data
Median rent
$2,013
ZORI
Investor score
53/100
cash-flow lens
Active listings
140
90-day

Valuation3 lenses, different anchors

vs assessor
-8.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$425,100
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+50.9%
County-wide market — the widest, slowest signal.
Frederick+50.9%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$209
Price-to-income4.4×

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How 21702 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

38SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply9.0 mo
Days on Market43d
Inv vs History-6.7%
Listing Density--
Market dynamics
Price cut %22.6%
Momentumstable
LeverageBALANCED
Months of supply9
Sales (90d)0
Investment analysis
Median rent$2,013
Price-to-rent19.2
Est. cap rate3.4%
Buy vs rentneutral

Livability

Walk score4
Transit score4
Bike score—

Historical trends

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Frederick County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Washington DC Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Frederick County