21704 ZIP Code — Frederick, MD

Frederick County, Maryland

ZIP code 21704 is located in Frederick, Maryland, within Frederick County. It covers approximately 26.63 square miles and serves a population of 18,473 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 240/301.

About ZIP code 21704

The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $555,200. Owner-occupancy is high at 80%, well above the national average.

Median household income is $162,437. The poverty rate of 3% is below the national average.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. An above-average commute of 37 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 23% of workers work from home.

Educational attainment is high — 59% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 21704 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

18,473

population

26.63

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21704 ZIP code map

Cities in ZIP code 21704

Below are the cities the US Postal Service accepts for ZIP code 21704. Using any city not on this list may result in mail delivery delays.

City	Status
Frederick	Acceptable
Frederick	Preferred

Nearby ZIP codes

21703 Frederick (4.5 mi) 21710 Adamstown (5.1 mi) 21709 Frederick (5.2 mi) 21770 Monrovia (6.4 mi) 21774 New Market (7.2 mi) 20871 Clarksburg (7.3 mi) 20838 Barnesville (7.8 mi) 21701 Frederick (8.5 mi) 20104 Dulles (8.7 mi) 20103 Dulles (8.7 mi) 20872 Damascus (9 mi) 21777 Point Of Rocks (9.2 mi)

Demographics updated 05/2026

Population
Total population	18,473
Population density	694 / sq mi
State FIPS	24
County FIPS	021

Geography
Land area	26.63 sq mi
Water area	0.17 sq mi
Latitude	39.3442
Longitude	-77.3764
Timezone	Eastern (ET)
Area code	240/301

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	9.0%	22.0%	28.2%
$50k – $100k	19.9%	27.2%	28.2%
$100k – $200k	43.0%	36.5%	30.1%
Over $200k	28.1%	14.3%	13.4%

Demographics & statistics

18,473

Population

694

People per sq mi

37.4

Median age

$162,437

Median household income

$58,828

Per capita income

$555,200

Median home value

$2,298

Median monthly rent

79.8%

Home ownership

3.3%

Poverty rate

3.7%

Unemployment

4,662

Housing units

58.5%

Bachelor's or higher

Age distribution

Male Female

661

Under 5

592

984

5–9

880

922

10–14

825

799

15–19

714

395

20–24

353

709

25–34

635

1,800

35–44

1,610

1,621

45–54

1,449

528

55–59

472

404

60–64

361

533

65–74

476

236

75–84

211

160

85+

143

← Male

Female →

Age summary

Group	Count	%
Under 18	6,146	33.3%
18 and over	12,327	66.7%
65 and over	1,759	9.5%
Median age	37.4 years

Race & ethnicity

White 54.4%

Asian 13.3%

Two or more races 11.3%

Black or African American 10.6%

Hispanic or Latino 8.5%

Other race 1.5%

Native Hawaiian / Pacific Islander 0.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	10,988	54.4%
Asian	2,684	13.3%
Two or more races	2,288	11.3%
Black or African American	2,136	10.6%
Hispanic or Latino	1,708	8.5%
Other race	298	1.5%
Native Hawaiian / Pacific Islander	40	0.2%
American Indian / Alaska Native	39	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	9.0%	22.0%	28.2%
$50k – $100k	19.9%	27.2%	28.2%
$100k – $200k	43.0%	36.5%	30.1%
Over $200k	28.1%	14.3%	13.4%

Under $10k 2.4%

$10k–$15k 0.7%

$15k–$25k 0.5%

$25k–$35k 1.5%

$35k–$50k 5.4%

$50k–$75k 5.3%

$75k–$100k 8.1%

$100k–$150k 20.1%

$150k–$200k 19.3%

$200k+ 36.7%

Range	% of households
Under $10k	2.4%
$10k–$15k	0.7%
$15k–$25k	0.5%
$25k–$35k	1.5%
$35k–$50k	5.4%
$50k–$75k	5.3%
$75k–$100k	8.1%
$100k–$150k	20.1%
$150k–$200k	19.3%
$200k+	36.7%
Median income	$162,437

Housing

Home values

Under $50k 0.7%

$50k–$100k 0.2%

$100k–$150k 0.1%

$150k–$200k 0.8%

$200k–$300k 3.7%

$300k–$500k 34.1%

$500k–$1M 58.4%

$1M+ 1.9%

Housing overview

Metric	Value
Median home value	$555,200
Median rent / month	$2,298
Owner occupied	79.8%
Renter occupied	20.2%
Vacant	1.7%
Single-family detached	55.4%
Large apartment buildings	6.0%
Mobile homes	1.1%
Median rooms	7.6
Avg household size (owned)	3.37

Year built

Era	%
2020 or later	4.2%
2010–2019	26.7%
2000–2009	43.6%
1990–1999	7.5%
1980–1989	4.4%
1970–1979	3.7%
1960–1969	3.4%
1950–1959	2.1%
1940–1949	1.8%
1939 or earlier	2.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	3.1%
2 bedrooms	5.7%
3 bedrooms	34.6%
4 bedrooms	44.5%
5+ bedrooms	10.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.9%
1 vehicle	21.0%
2 vehicles	46.0%
3 or more	28.1%

Heating fuel

Fuel type	%
Utility gas	64.3%
Electricity	27.0%
Propane / LP gas	3.5%
Fuel oil	4.0%
Wood	0.9%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	3,909	68.3%
Cohabiting couple	274	4.8%
Male householder, no spouse	783	13.7%
Female householder, no spouse	754	13.2%
Households with children under 18	3,275	57.3%
Households with seniors (65+)	1,374	24.0%
Average household size	3.18

Marital status

Status	Male	Female
Never married	28.5%	21.6%
Married	60.8%	61.2%
Separated	1.2%	1.6%
Widowed	1.9%	5.5%
Divorced	7.6%	10.2%

Education

Less than 9th grade 1.7%

Some HS, no diploma 2.1%

HS graduate 18.7%

Some college, no degree 13.0%

Associate's degree 6.0%

Bachelor's degree 30.0%

Graduate / professional 28.6%

Metric	%
HS diploma or higher	96.2%
Bachelor's or higher	58.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	346	5.8%
Kindergarten	190	3.2%
Elementary school	3,016	50.5%
High school	1,478	24.7%
College / grad school	944	15.8%

Employment

Industry of employment

Professional & management 25.0%

Education & healthcare 19.5%

Public administration 10.7%

Retail trade 7.9%

Finance & real estate 7.8%

Manufacturing 6.2%

Construction 6.1%

Arts, food & hospitality 5.2%

Other services 4.1%

Wholesale trade 2.8%

Transportation & utilities 2.2%

Information 1.9%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	61.5%
Service	12.0%
Sales & office	16.4%
Natural resources & construction	5.4%
Production & transportation	4.8%

Employment type

Type	%
Private sector	74.4%
Government	20.8%
Self-employed	4.7%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	69.3%
Carpool	5.2%
Public transit	0.9%
Walk	0.7%
Work from home	22.7%
Other means	1.2%
Avg commute (minutes)	37.3

Poverty

All people 3.3%

Under 18 years 2.5%

18 and over 3.7%

Married-couple families 0.5%

Female-led households 3.4%

Income support

Source	% of households
Social Security	19.8%
Retirement income	18.9%
Supplemental Security	0.8%
Cash public assistance	2.4%
Food stamps / SNAP	3.5%

Health indicators

Condition	%
Obesity	29.5%
High blood pressure	26.8%
High cholesterol	31.6%
Diabetes	7.9%
Heart disease	3.9%
Stroke	1.9%
Asthma	8.7%
Arthritis	17.8%
Kidney disease	2.0%
Pulmonary disease	3.7%
Cancer	5.4%

Behavior / access	%
Smoking	10.4%
Binge drinking	17.0%
No physical activity	16.6%
Less than 7 hrs sleep	30.9%
Depression	17.5%
Fair or poor health	8.0%
Poor mental health	12.2%
Poor physical health	6.1%
No health insurance	8.2%
Visited doctor (checkup)	74.0%
Visited dentist	72.3%
Cholesterol screening	92.9%
Teeth loss	7.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	883	7.3%

Disability	%
Any disability	6.4%
Under 18	2.1%
18–64 years	4.4%
65 and over	32.1%

Health insurance coverage

Type	%
Private insurance	88.4%
Public insurance	17.7%
No insurance	3.0%
Uninsured under 19	0.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,220	93.2%
Spanish	1,324	7.7%
Other Indo-European	304	1.8%
Asian & Pacific Islander	236	1.4%
Other languages	710	4.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,717	79.7%
Born in same state	14,354	77.7%
Born in different state	7,888	42.7%
Foreign born	363	2.0%
Naturalized citizen	3,756	20.3%
Not a US citizen	2,399	63.9%

Ancestry

Ancestry	Count	%
Italian	2,539	13.7%
French	1,469	8%
Arab	609	3.3%
English	149	0.8%
Irish	75	0.4%

Ancestry	Count	%
Norwegian	65	0.4%
Polish	55	0.3%
Dutch	52	0.3%
German	44	0.2%

Technology access

Metric	% of households
Computer access	31.0%
Internet access	95.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 21704

What city is ZIP code 21704 in?

ZIP code 21704 is primarily assigned to Frederick, Maryland.

What county is ZIP code 21704 in?

ZIP code 21704 falls within Frederick County, Maryland.

Is ZIP code 21704 family-oriented?

33% of residents in ZIP code 21704 are under 18, reflecting a younger, family-oriented community.

How educated is the population of ZIP code 21704?

59% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 21704?

The median household income in ZIP code 21704 is $162,437, above the national median of ~$75,000.

What is the typical home value in ZIP code 21704?

The median home value in ZIP code 21704 is $555,200.

What timezone is ZIP code 21704 in?

ZIP code 21704 observes the EST timezone.