HomeMarylandFrederick CountyFrederick
Frederick, Maryland: commercial real estate data.
Frederick is a Census city of 83,395 people across 23.96 square miles of land, in Frederick County. Median household income is $97,069, 58.8 percent of occupied homes are owned, and the SBA record carries 246 7(a) approvals to borrowers here worth $118.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Frederick
What Frederick is
- Census place typecity
- Land area23.96 sq mi
- Water area0.1 sq mi
- Population per square mile of land3,480
- County holding the largest share of its areaFrederick County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Frederick
How many people live in Frederick
- Population83,395
- Median age37.1
- Population under 1818,255
- Share under 1821.9 percent
- Population 65 and over11,897
- Share 65 and over14.3 percent
- Households33,584
- Family households20,504
- Share of households that are families61.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Frederick
Income and work in Frederick
- Median household income$97,069
- Per capita income$49,823
- Civilian labor force46,451
- Employed44,645
- Unemployed1,806 plus or minus 400
- Unemployment rate3.9 percent plus or minus 0.9
- Adults 25 and over57,420
- Adults 25 and over with a high school diploma or higher89.1 percent
- Adults 25 and over with a bachelor degree or higher43.2 percent
- Adults 25 and over with a graduate degree19.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Frederick
Housing in Frederick
- Housing units35,421
- Occupied units33,584
- Vacant units1,837 plus or minus 399
- Vacancy rate5.2 percent plus or minus 1.1
- Owner occupied19,735
- Renter occupied13,849
- Ownership rate58.8 percent
- Median owner-occupied home value$401,500
- Median gross rent, monthly$1,764
- Annual rent as a share of median income21.8 percent
- Single family units22,781
- Share single family64.3 percent
- Units in buildings of two or more12,599
- Share in buildings of two or more35.6 percent
- Mobile homes41 plus or minus 45
- Median year structure built1991
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Frederick
How Frederick gets to work
- Workers 16 and over who commute37,060
- Commuting under 15 minutes11,280
- Share commuting under 15 minutes30.4 percent
- Commuting 30 minutes or more14,937
- Share commuting 30 minutes or more40.3 percent
- Drove alone69.1 percent
- Carpooled6.4 percent
- Public transport1.9 percent plus or minus 0.8
- Walked3.1 percent plus or minus 0.7
- Worked from home17.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Frederick
SBA loans in Frederick (7(a))
- Approvals246
- Gross approval$118,493,500
- Average approval$481,681
- Median approval$150,000
- Ninetieth percentile approval$1,240,000
- Largest approval$5,000,000
- Jobs supported2,723
- Jobs per approval11.1
- Loans with a final outcome42
- Paid in full37
- Charged off5
- Charge-off rate over resolved loans11.9 percent
- Median term120 months
- Share on real estate terms of 20 years or more8.5 percent
- Share to franchises15.0 percent
- Distinct lenders44
- Distinct industries by NAICS104
Counted by borrower city: approvals to borrowers whose address is in Frederick, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Frederick
SBA loans in Frederick (504)
- Approvals39
- Gross approval$40,007,000
- Average approval$1,025,821
- Median approval$619,000
- Largest approval$5,000,000
- Jobs supported569
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Frederick, in any county, FY2010 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Frederick
Flood risk in Frederick
- NFIP communityCity of Frederick
- NFIP community number240030
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date08/01/23
The City of Frederick participates in the National Flood Insurance Program as community 240030 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Frederick County, not Frederick
Frederick County context, not Frederick figures
- Establishments in Frederick County6,591
- Covered employment, Frederick County108,438
- Average annual pay, Frederick County$69,852
- Housing units permitted, Frederick County1,562
Every figure in this section is published for Frederick County as a whole and is not a measurement of Frederick.
All Frederick County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Frederick questions, answered from the record.
How many people live in Frederick, Maryland?
83,395, in 33,584 households. Frederick city covers 23.96 square miles of land, which is 3,480 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Frederick in?
Frederick County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Frederick?
$97,069. The median owner-occupied home is valued at $401,500. Median gross rent is $1,764 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Frederick businesses?
246 7(a) approvals totaling $118.5 m since FY2020, across 44 lenders, median approval $150,000, plus 39 504 approvals worth $40.0 m since FY2010. These count approvals to borrowers whose address is in Frederick, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Frederick borrowers get paid back?
Of the 42 loans that have reached a final outcome, 37 were paid in full and 5 charged off, a charge off rate of 11.9 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Frederick in the National Flood Insurance Program?
Yes. Frederick appears in the FEMA Community Status Book as Frederick, city of, community 240030, carrying Community Rating System class 6, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Frederick figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Frederick County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Frederick.
Is zoning published for Frederick?
No. Nothing on this page presents parcel level zoning.