Frederick County, Maryland

Income Data

+28% vs. Maryland average
$120,458
Median Household Income
$53,316
Per Capita Income

At a Glance

Median Household Income
$120,458
+28% vs. state avg
Per Capita Income
$53,316
+35% vs. national
Income-to-Housing Ratio
27.5%
income as % of home value
Rank in Maryland
#5 / 24
by median household income

How Frederick County Compares

Frederick County$120,458
Maryland Average$94,152
National Median$74,755

Detailed Income Statistics

$120,458
Median Household Income
$53,316
Per Capita Income
$437,700
Median Home Value
27.5%
Income-to-Housing Ratio

Data Story

About Household Income in Frederick County, Maryland

Frederick ranks among wealthiest U.S. counties

Frederick County's median household income of $120,458 exceeds the national median of $74,755 by 61%, placing it solidly in America's upper-income tier. The county's blend of federal employees, healthcare workers, and tech professionals drives this strong earnings profile.

Third-highest income in Maryland

Frederick County ties with Charles County for the third-highest median household income in Maryland at $120,458, behind only Howard and Montgomery counties. The county surpasses Maryland's statewide average of $94,152 by a substantial margin.

Economic powerhouse of western Maryland

Frederick County's $120,458 median far exceeds surrounding rural counties like Garrett ($69,031) and rural neighbors across the region. The county's position along the I-270 corridor and proximity to Washington, D.C., fuels higher wages and professional employment.

Housing affordability requires caution

Despite strong incomes, Frederick County's median home value of $437,700 and rent-to-income ratio of 17.0% signal tight housing markets. High earners here should carefully assess mortgage obligations relative to their household income before purchasing.

Leverage income to diversify investments

Frederick County residents benefit from incomes well above national averages, creating opportunity to invest beyond primary residences. Consider tax-advantaged retirement accounts, real estate investment trusts, and diversified stock portfolios to compound wealth.

Frequently Asked Questions

What is the median household income in Frederick County, Maryland?
The median household income in Frederick County, Maryland is $120,458, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Frederick County?
The per capita income in Frederick County is $53,316, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $120,458.
How does Frederick County compare to the Maryland average?
Frederick County's median household income of $120,458 is higher than the Maryland state average of $94,152. The per capita income is $53,316, compared to the state average of $46,948.
What is the per capita income in Frederick County, Maryland?
The per capita income in Frederick County, Maryland is $53,316, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Why is Frederick County income higher than the Maryland average?
Frederick County's median household income of $120,458 is higher than the Maryland average of $94,152. This difference of $26,306 can be attributed to factors such as local industry mix, proximity to major employment centers, educational attainment levels, and cost of living. Counties with higher incomes often have a greater concentration of professional and technical occupations.
How does Frederick County rank for income in Maryland?
Frederick County ranks #5 out of 24 counties in Maryland by median household income (1 = highest). With a median household income of $120,458 and per capita income of $53,316, it falls in the top third of counties statewide.

Income Comparison Calculator

See how your household income compares in Frederick County

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County median: $120,458 per year

vs. County Median

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vs. State Average

+28%

vs. National Median

+61%

vs. Frederick County MedianAbout equal
vs. Maryland Average28% above
vs. National Median61% above

Income Adequacy

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Your monthly income ($10,038) vs. median rent ($1,706/mo). A ratio of 3.3x or higher means rent is under 30% of income.

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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.