Frederick County, MD real estate

What the numbers say

Frederick County, MD real estate at a glance

By AstroCore · Realtor.com, US Census and Freddie Mac data

In September 2026, the median home in Frederick County listed for $539,974, up 2.4% from a year earlier. That is 27% above the Maryland median of $425,000.

Homes spent a median of 37 days on the market, slower than 33 days a year ago. That makes Frederick County the #3 fastest-selling of 18 Maryland counties we track.

Homeowners in Frederick County pay a median of $4,584 a year in property taxes on a median home value of $464,600, an effective rate of about 0.99%. The Maryland average is 0.97%, which makes Frederick County the #18 lowest-tax of 24 counties in the state with published tax data.

Renters pay a median of $1,774 a month, and $1,734 for a two-bedroom. At today's prices a typical home costs about 25 times a year's rent, which generally favors renting over buying in the short term.

With 20% down and today's 7.24% average 30-year rate, the monthly payment on a $540,000 home here comes to about $3,613 including property tax and insurance. Lenders typically want that to be under 28% of income, which works out to roughly $155,000 a year (the median household here earns $122,002).