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Maryland ZIP Codes
Frederick County
Monrovia, MD
21770
21770 ZIP Code — Monrovia, MD
Frederick County, Maryland
ZIP code 21770 is located in
Monrovia ,
Maryland ,
within Frederick County .
It covers approximately 11.45 square miles and serves a population of
7,786 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 240/301 .
About ZIP code 21770
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $570,000. Owner-occupancy is high at 99%, well above the national average.
The gap between median ($175,809) and mean household income suggests income inequality — a small number of higher earners pull the average up. 32% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with professional and management as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 22% of workers work from home.
Educational attainment is high — 56% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Overall, ZIP code 21770 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
21770 ZIP code map
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Cities in ZIP code 21770
Below are the cities the US Postal Service accepts for ZIP code 21770. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
7,786
Population density
680 / sq mi
State FIPS
24
County FIPS
021
Geography
Land area
11.45 sq mi
Water area
0.01 sq mi
Latitude
39.3481
Longitude
-77.2570
Timezone
Eastern (ET)
Area code
240/301
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
5.7%
22.0%
28.2%
$50k – $100k
16.9%
27.2%
28.2%
$100k – $200k
56.4%
36.5%
30.1%
Over $200k
20.9%
14.3%
13.4%
Demographics & statistics
$175,809
Median household income
$570,000
Median home value
56.1%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 1,640 21.1% 18 and over 6,146 78.9% 65 and over 1,450 18.6% Median age 41.4 years
Race & ethnicity
Black or African American
9.9%
Group Count % White 5,861 73.8% Asian 788 9.9% Black or African American 783 9.9% Two or more races 296 3.7% Hispanic or Latino 153 1.9% Other race 58 0.7%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
5.7%
22.0%
28.2%
$50k – $100k
16.9%
27.2%
28.2%
$100k – $200k
56.4%
36.5%
30.1%
Over $200k
20.9%
14.3%
13.4%
Range % of households $15k–$25k 0.7% $25k–$35k 0.4% $35k–$50k 1.9% $50k–$75k 2.6% $75k–$100k 6.3% $100k–$150k 21.0% $150k–$200k 24.3% $200k+ 43.0% Median income $175,809
Housing
Housing overview
Metric Value Median home value $570,000 Median rent / month $0 Owner occupied 98.7% Renter occupied 1.3% Vacant 2.6% Single-family detached 96.1% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 10.0 Avg household size (owned) 3.32
Year built
Era % 2020 or later 3.9% 2010–2019 28.0% 2000–2009 6.0% 1990–1999 9.6% 1980–1989 19.2% 1970–1979 28.5% 1960–1969 1.5% 1950–1959 0.4% 1940–1949 0.0% 1939 or earlier 2.9%
Bedrooms
Size % of units No bedroom (studio) 0.8% 1 bedroom 0.7% 2 bedrooms 1.0% 3 bedrooms 23.7% 4 bedrooms 43.0% 5+ bedrooms 30.7%
Vehicles per household
Vehicles % of households No vehicle 1.1% 1 vehicle 6.0% 2 vehicles 43.3% 3 or more 49.5%
Heating fuel
Fuel type % Utility gas 33.3% Electricity 56.3% Propane / LP gas 2.4% Fuel oil 5.0% Wood 1.7% Solar 0.4%
Households & families
Household type Count % Married-couple family 1,940 82.6% Cohabiting couple 67 2.9% Male householder, no spouse 150 6.4% Female householder, no spouse 192 8.2% Households with children under 18 984 41.9% Households with seniors (65+) 953 40.6% Average household size 3.31
Marital status
Status Male Female Never married 27.5% 18.7% Married 65.9% 74.5% Separated 0.0% 0.0% Widowed 0.9% 4.4% Divorced 5.7% 2.4%
Education
Some college, no degree
20.0%
Graduate / professional
22.0%
Metric % HS diploma or higher 98.6% Bachelor's or higher 56.1%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 257 12.3% Kindergarten 113 5.4% Elementary school 705 33.6% High school 425 20.3% College / grad school 596 28.4%
Employment
Industry of employment
Professional & management
20.9%
Education & healthcare
16.7%
Public administration
11.8%
Arts, food & hospitality
10.4%
Finance & real estate
6.4%
Agriculture & mining
2.8%
Transportation & utilities
2.1%
Occupation
Category % Management, business & arts 53.7% Service 10.8% Sales & office 20.7% Natural resources & construction 9.0% Production & transportation 5.7%
Employment type
Type % Private sector 68.6% Government 25.6% Self-employed 5.8% Unpaid family workers 0.0%
Commute
Method % Drive alone 73.6% Carpool 4.4% Public transit 0.0% Walk 0.0% Work from home 22.0% Other means 0.0% Avg commute (minutes) 36.2
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 32.4% Retirement income 34.4% Supplemental Security 3.6% Cash public assistance 1.3% Food stamps / SNAP 1.2%
Health indicators
Condition % Obesity 30.4% High blood pressure 29.9% High cholesterol 35.8% Diabetes 8.8% Heart disease 4.9% Stroke 2.1% Asthma 9.3% Arthritis 21.9% Kidney disease 2.2% Pulmonary disease 4.8% Cancer 6.7%
Behavior / access % Smoking 11.2% Binge drinking 17.3% No physical activity 16.6% Less than 7 hrs sleep 29.5% Depression 19.3% Fair or poor health 8.7% Poor mental health 12.6% Poor physical health 7.1% No health insurance 7.4% Visited doctor (checkup) 75.5% Visited dentist 74.1% Cholesterol screening 93.5% Teeth loss 6.6%
Veterans & disability
Veterans Count % Civilian veterans 544 8.9%
Disability % Any disability 10.2% Under 18 2.9% 18–64 years 3.7% 65 and over 39.4%
Health insurance coverage
Type % Private insurance 93.4% Public insurance 20.8% No insurance 0.8% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 7,536 96.8% Spanish 131 1.7% Other Indo-European 9 0.1% Asian & Pacific Islander 63 0.8% Other languages 59 0.8%
Place of birth & citizenship
Origin Count % Native born (US) 6,771 87.0% Born in same state 6,739 86.6% Born in different state 3,103 39.9% Foreign born 32 0.4% Naturalized citizen 1,015 13.0% Not a US citizen 721 71.0%
Ancestry
Ancestry Count % French 1,577 20.3% Italian 1,323 17% Arab 387 5% Polish 302 3.9% Irish 102 1.3%
Ancestry Count % English 64 0.8% Dutch 34 0.4% German 26 0.3% Norwegian 19 0.2%
Technology access
Metric % of households Computer access 30.2% Internet access 98.9%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 21770
What city is ZIP code 21770 in?
ZIP code 21770 is primarily assigned to Monrovia, Maryland.
What county is ZIP code 21770 in?
ZIP code 21770 falls within Frederick County, Maryland.
Is ZIP code 21770 mostly owner-occupied?
99% of occupied units in ZIP code 21770 are owner-occupied, well above the national average.
How educated is the population of ZIP code 21770?
56% 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 21770?
The median household income in ZIP code 21770 is $175,809, above the national median of ~$75,000.
What is the typical home value in ZIP code 21770?
The median home value in ZIP code 21770 is $570,000.
What timezone is ZIP code 21770 in?
ZIP code 21770 observes the EST timezone.
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