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Maryland ZIP Codes
Frederick County
Point Of Rocks, MD
21777
21777 ZIP Code — Point Of Rocks, MD
Frederick County, Maryland
ZIP code 21777 is located in
Point Of Rocks ,
Maryland ,
within Frederick County .
It covers approximately 1.10 square miles and serves a population of
2,360 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 240/301 .
About ZIP code 21777
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $397,900.
The gap between median ($126,944) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 2% 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 43 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 21% of workers work from home.
Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 15% of civilians, above the national average of 7%.
Overall, ZIP code 21777 reflects a community defined by a strong veteran community, high homeownership, and a high rate of remote workers.
21777 ZIP code map
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Cities in ZIP code 21777
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Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
2,360
Population density
2,145 / sq mi
State FIPS
24
County FIPS
021
Geography
Land area
1.10 sq mi
Water area
0.00 sq mi
Latitude
39.2829
Longitude
-77.5283
Timezone
Eastern (ET)
Area code
240/301
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
8.9%
22.0%
28.2%
$50k – $100k
33.0%
27.2%
28.2%
$100k – $200k
43.7%
36.5%
30.1%
Over $200k
14.4%
14.3%
13.4%
Demographics & statistics
$126,944
Median household income
$397,900
Median home value
41.9%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 572 24.2% 18 and over 1,788 75.8% 65 and over 213 9.0% Median age 38.3 years
Race & ethnicity
Black or African American
11.8%
American Indian / Alaska Native
0.2%
Group Count % White 1,659 64.8% Black or African American 301 11.8% Two or more races 204 8% Hispanic or Latino 199 7.8% Asian 134 5.2% Other race 58 2.3% American Indian / Alaska Native 4 0.2%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
8.9%
22.0%
28.2%
$50k – $100k
33.0%
27.2%
28.2%
$100k – $200k
43.7%
36.5%
30.1%
Over $200k
14.4%
14.3%
13.4%
Range % of households Under $10k 1.2% $25k–$35k 1.5% $35k–$50k 2.6% $50k–$75k 5.2% $75k–$100k 11.7% $100k–$150k 34.8% $150k–$200k 14.0% $200k+ 28.8% Median income $126,944
Housing
Housing overview
Metric Value Median home value $397,900 Median rent / month $0 Owner occupied 99.3% Renter occupied 0.7% Vacant 0.0% Single-family detached 94.8% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 10.0 Avg household size (owned) 3.23
Year built
Era % 2020 or later 0.0% 2010–2019 20.5% 2000–2009 15.4% 1990–1999 29.3% 1980–1989 26.4% 1970–1979 0.0% 1960–1969 1.1% 1950–1959 0.0% 1940–1949 4.4% 1939 or earlier 2.8%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 0.0% 2 bedrooms 1.9% 3 bedrooms 44.1% 4 bedrooms 34.6% 5+ bedrooms 19.4%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 5.8% 2 vehicles 57.6% 3 or more 36.6%
Heating fuel
Fuel type % Utility gas 50.6% Electricity 37.7% Fuel oil 6.5% Wood 3.3% No fuel used 1.9%
Households & families
Household type Count % Married-couple family 595 82.0% Cohabiting couple 70 9.6% Male householder, no spouse 0 0.0% Female householder, no spouse 61 8.4% Households with children under 18 353 48.6% Households with seniors (65+) 175 24.1% Average household size 3.25
Marital status
Status Male Female Never married 28.8% 16.7% Married 58.5% 65.7% Separated 0.0% 0.0% Widowed 3.5% 5.6% Divorced 9.2% 12.0%
Education
Some college, no degree
13.1%
Graduate / professional
14.3%
Metric % HS diploma or higher 96.3% Bachelor's or higher 41.9%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 44 7.7% Kindergarten 43 7.5% Elementary school 202 35.3% High school 109 19.0% College / grad school 175 30.5%
Employment
Industry of employment
Professional & management
16.6%
Arts, food & hospitality
16.3%
Education & healthcare
14.8%
Public administration
6.1%
Finance & real estate
4.5%
Transportation & utilities
4.4%
Occupation
Category % Management, business & arts 54.5% Service 18.4% Sales & office 13.6% Natural resources & construction 3.5% Production & transportation 10.0%
Employment type
Type % Private sector 86.8% Government 12.0% Self-employed 1.3% Unpaid family workers 0.0%
Commute
Method % Drive alone 56.0% Carpool 14.7% Public transit 3.1% Walk 3.4% Work from home 20.9% Other means 1.9% Avg commute (minutes) 43.3
Poverty
Married-couple families
1.5%
Female-led households
0.0%
Income support
Source % of households Social Security 18.5% Retirement income 19.1% Supplemental Security 2.6% Cash public assistance 0.0% Food stamps / SNAP 3.9%
Health indicators
Condition % Obesity 31.7% High blood pressure 27.0% High cholesterol 31.8% Diabetes 7.8% Heart disease 3.9% Stroke 1.9% Asthma 9.5% Arthritis 18.7% Kidney disease 1.9% Pulmonary disease 4.2% Cancer 5.3%
Behavior / access % Smoking 13.1% Binge drinking 18.6% No physical activity 17.4% Less than 7 hrs sleep 31.7% Depression 19.9% Fair or poor health 8.7% Poor mental health 13.8% Poor physical health 6.8% No health insurance 8.9% Visited doctor (checkup) 73.2% Visited dentist 71.0% Cholesterol screening 92.3% Teeth loss 7.6%
Veterans & disability
Veterans Count % Civilian veterans 263 14.7%
Disability % Any disability 9.3% Under 18 1.6% 18–64 years 9.0% 65 and over 32.4%
Health insurance coverage
Type % Private insurance 88.1% Public insurance 18.5% No insurance 2.2% Uninsured under 19 3.1%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 2,150 91.1% Spanish 71 3.3% Other Indo-European 33 1.5% Asian & Pacific Islander 0 0.0% Other languages 38 1.8%
Place of birth & citizenship
Origin Count % Native born (US) 2,214 93.8% Born in same state 2,171 92.0% Born in different state 1,308 55.4% Foreign born 43 1.8% Naturalized citizen 146 6.2% Not a US citizen 92 63.0%
Ancestry
Ancestry Count % French 333 14.1% Italian 289 12.2% Arab 151 6.4%
Ancestry Count % English 28 1.2% German 14 0.6% Irish 7 0.3%
Technology access
Metric % of households Computer access 30.8% Internet access 98.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 21777
What city is ZIP code 21777 in?
ZIP code 21777 is primarily assigned to Point Of Rocks, Maryland.
What county is ZIP code 21777 in?
ZIP code 21777 falls within Frederick County, Maryland.
Does ZIP code 21777 have a large veteran population?
15% of civilians in ZIP code 21777 are veterans, above the national average of ~7%.
What is the median household income in ZIP code 21777?
The median household income in ZIP code 21777 is $126,944, above the national median of ~$75,000.
What is the typical home value in ZIP code 21777?
The median home value in ZIP code 21777 is $397,900.
What is the population of ZIP code 21777?
ZIP code 21777 has an estimated population of 2,360 residents, with a density of 2,140 people per square mile.
What timezone is ZIP code 21777 in?
ZIP code 21777 observes the EST timezone.
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