Rocky Ridge 21778

Name: 21778 Rocky Ridge, MD housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Frederick County, MD · 491 properties with county records

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Rocky Ridge 21778 is in Frederick, MD, part of the Washington DC Metro. The typical home value in Rocky Ridge 21778 is $441,949 (Zillow Home Value Index, August 2026), up 0.7% from a year earlier. Homes that sold went under contract in a median 98 days, and 0% of listings took a price cut (Redfin Data Center, period ending May 31, 2026). On Lotvox's market-leverage reading of that data neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 21778 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Frederick's 23 ZIPs with a Zillow value, the middle one is $465,967, so 21778 sits 5% below the county middle. Lotvox holds county assessor records for 491 properties in 21778.

Headline value data through August 2026. Each source below carries its own date.

Is 21778 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through May 31, 2026, 21778 is a balanced market. Homes went under contract in a median 98 days.

What do homes in 21778 sell for?

The typical home value in 21778 is $441,949 (Zillow Home Value Index, August 2026), up 0.7% in a year. County records put the median at about $180 per square foot (computed Apr 21, 2026).

Who is likely to sell in 21778?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 21778 has not passed that test yet. When it does, the score appears here.

How does 21778 compare to Frederick?

21778's typical value of $441,949 compares with a middle value of $465,967 across Frederick's 23 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 21778 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of May 31, 2026) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 21778 Rocky Ridge, MD, data through August 2026, https://lotvox.com/washington-dc/zip/21778

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

59affordability /100

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

Payment burden

26.6%

affordable

Days on market

daily

Price cuts

0.0%

of active

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Rent vs own

Not available for this ZIP — no rent or ownership-cost estimate published here.

Rent to price

Not available for this ZIP — no price-to-rent ratio published here.

/100

stable

warming · balanced · prices rising 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 / seller

buyer-timing lens

Negotiate Hard

Score Components

Payment Burden (25%)0

Valuation Gap (25%)80

Supply & Demand (20%)100

Days on Market (5%)100

Moderate buyer leverage in 21778. Room to negotiate 5-10% below list. Payment burden: 25.0% of median income. Median days on market: 97. Market appears 24% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

WARMINGBALANCED

Market is warming with rising prices. Conditions are balanced between buyers and sellers.

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<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/washington-dc/zip/21778?utm_source=embed&utm_medium=backlink">Rocky Ridge 21778 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$441,949

▴ 0.7% YoY

Days on market

daily · zip_data

Median rent

$1,774

county avg

Investor score

34/100

cash-flow lens

Active listings

90-day

Valuation

3 lenses, different anchors

vs assessor

—

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$0

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+50.6%

County-wide market — the widest, slowest signal.

Frederick+50.6%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$180

Price-to-income4.1×

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How 21778 ranks in MD

percentile vs all MD ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

18SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply24.0 mo

Days on Market98d

Inv vs History-25.0%

Listing Density--

Market dynamics

Price cut %0.0%

Momentumwarming

LeverageBALANCED

Months of supply—

Sales (90d)2

Investment analysis

Median rent$1,774

Price-to-rent20.8

Est. cap rate2.9%

Buy vs rentfavors renting

Livability

Walk score7

Transit score—

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Frederick.

Current tiers · 12 months to Aug 25floor 10 sales/tier

7 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$250k–$500k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$500k–$750k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$750k–$1M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1M–$1.5M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	—	—	—	—	fewer than 10 sales at zip, county and metro level
All sales (the headline median)	$383k	$199	12	100%	METRO · Frederick, MD

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 21778.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Frederick County context

macro · jobs · debt · migration

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

ZIP 21778→Frederick County, MD

12-Month Direction

+8Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

41· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

26.6%

affordable

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

20.8x

favors renting

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation21

+50.6%

overvalued

Source: Lotvox comps · Updated 2026-05-15