21704 ZIP Code Profile, Map, Data & Demographics

Related Place Profiles:
Frederick, MD | Urbana, MD

ZIP Code 21704: Basic Data & USPS Preferred City Name

Preferred Name, USPS
Frederick, MD 21704

Acceptable Alternative
Urbana, MD 21704

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  • ZIP Code Type: STANDARD
  • County: Frederick County
  • Centroid: Latitude 39.374, Longitude -77.39
  • Time Zone: Eastern Time Zone (UTC -5 hours)
  • Observes DST: Yes
  • Businesses Addresses: 911
  • PO Box Addresses: 0
  • Residential Addresses: 7,209
    • Multi-Family Addresses: 153
    • Single Family Addresses: 7,056

The ZIP Code maps and database are updated 4 times per year.
Database updated: July 1, 2022, Maps updated: May 5, 2022.


Frederick, MD 21704 Data & Demographics (As of July 1, 2021)


Total Population 20,650 (100%)
Population in Households 20,546 (99.5%)
Population in Families 18,493 (89.6%)
Population in Group Quarters1 104 ( 0.5%)
Population Density 748
Diversity Index2 62


Median Household Income $137,728
Average Household Income $161,453
% of Income for Mortgage4 15%
Per Capita Income $51,111
Wealth Index5 205


Total HU (Housing Units) 6,799 (100%)
Owner Occupied HU 5,594 (82.3%)
Renter Occupied HU 942 (13.9%)
Vacant Housing Units 263 ( 3.9%)
Median Home Value $475,832
Average Home Value $499,182
Housing Affordability Index3 168


Total Households 6,536
Average Household Size 3.14
Family Households 5,265
Average Family Size 4
  1. Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
  2. The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
  3. The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
  4. The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
  5. The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.


2010-2021 2021-2026
Population 3.96% 1.87%
Households 3.86% 1.86%
Families 3.88% 1.81%
Median Household Income   1.9%
Per Capita Income   2.05%
Owner Occupied HU   2.13%

Frederick, MD 21704 - Peer Comparisons by Rank and Percentile

The table below compares 21704 to the other 458 ZIP Codes in Maryland by rank and percentile using July 1, 2021 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

Variable Description Rank Percentile
Total Population # 125 73rd
Population Density # 181 61st
Median Household Income # 43 91st
Housing Affordability Index # 340 74th
Per Capita Income # 133 71st
Diversity Index # 93 80th

Additional comparisons and rankings can be made with a VERY EASY TO USE Maryland Census Data Comparison Tool.

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