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Frederick, Maryland Retirement Guide
established retirement community
42
Retirement Score
Frederick, Maryland at a Glance
- Median Home Price
- $399,700
- State Income Tax
- State income tax; Social Security exempt; pension exclusion available for qualifying retirees.
- Avg January Low
- 28.3°F
- Cost of Living Index
- 104.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 42 / 100
Retirement Data
Affordability
Cost of Living Index
104.9 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$399,700High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,642High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; pension exclusion available for qualifying retirees.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
15 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
53.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
15 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
88.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
28.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
44.9"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
284 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
27.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
6.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
78,390High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
37.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
14.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$89,981High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
58.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
7.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
41.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
9.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
62.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
17.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
17.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
5.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Frederick using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$866
Stress-case monthly carrying cost
$973
Median home price used: $399,700
Median rent reference: $1,642 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.