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Rocky Ridge 21778

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.MarylandStrong seller's market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Strong seller's market · 91
Buyer's marketBalancedSeller's market
$223K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
16
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$434K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jan 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Market temperature (0–100)How the 0 to 100 market score moved over time. It blends price growth, sales pace, how often homes change hands, and seller profits.Temperature
20162018201920202021202320242026
Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20162018201920202021202320242026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20162018201920202021202320242026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20162018201920202021202320242026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
20162018201920202021202320242026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20162018201920202021202320242026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20162018201920202021202320242026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20162018201920202021202320242026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162018201920202021202320242026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162018201920202021202320242026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20162018201920202021202320242026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
20162017201820222024

Housing Stock

HomesHow many homes we have records for in this area.411
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$434K
Median sizeThe middle home size here, measured in square feet.1,648 ft²
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1965
Single familyThe share of homes here that are single-family houses.72%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.52%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.4.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.83%
Company ownedThe share of homes owned by a company or trust instead of a person.7.8%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.48%
Typical ownership tenureHow long the typical owner here has held their home.14.8 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.1,439
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$82K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$112K
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Rocky Ridge 21778 compares

By median home value, Rocky Ridge 21778 is the 16th most expensive of 23 ZIP codes in Frederick County, and its typical home is worth more than 37% of all homes in Frederick County.

Home values in Rocky Ridge 21778

Share of homes at each estimated value.

Median
$179K$1.2M
ZIP codes in Frederick County ranked by median home value
#Frederick CountyMedian valueHomes
1Ijamsville 21754$677K2,504
2Frederick 21704$660K7,264
3Monrovia 21770$644K2,993
4Adamstown 21710$623K1,494
5Mount Airy 21771$615K10,659
6New Market 21774$591K6,556
7Jefferson 21755$570K2,158
8Middletown 21769$552K4,232
9Myersville 21773$516K2,073
10Woodsboro 21798$503K840
11Point of Rocks 21777$482K632
12Walkersville 21793$469K3,637
13Knoxville 21758$466K1,811
14Frederick 21702$448K15,013
15Frederick 21701$442K14,507
16Rocky Ridge 21778$434K411
17Keymar 21757$421K1,021
18Frederick 21703$408K13,460
19Brunswick 21716$404K3,101
20Thurmont 21788$389K4,325
21Sabillasville 21780$354K652
22Emmitsburg 21727$347K1,570
23Libertytown 21762$313K125

About the Rocky Ridge 21778 market

What is the median home price in Rocky Ridge 21778, MD?

The median sale price in Rocky Ridge 21778, MD is $222,500 (data through January 2026), based on deeds recorded with the county.

How many homes sell in Rocky Ridge 21778, MD each year?

16 homes sold in Rocky Ridge 21778, MD over the last 12 months (data through January 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Rocky Ridge 21778, MD a buyer's or seller's market?

Rocky Ridge 21778, MD is currently a strong seller's market, scoring 91 out of 100 on TopHap's market temperature index (data through January 2026). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Rocky Ridge 21778, MD?

Rocky Ridge 21778, MD contains 411 residential properties, with a median of 1,648 square feet, built around 1965. The median TopHap Estimate is $434K.

How does Rocky Ridge 21778, MD compare to the rest of Frederick County?

By median home value, Rocky Ridge 21778, MD is the 16th most expensive of 23 ZIP codes in Frederick County. Its typical home is worth more than 37% of all homes in Frederick County. Frederick 21701 ranks just above it and Keymar 21757 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Rocky Ridge 21778, MD?

83% of homes in Rocky Ridge 21778, MD are owner-occupied. 8% are held by a company rather than an individual.

How much equity do owners in Rocky Ridge 21778, MD hold?

52% of mortgaged homes in Rocky Ridge 21778, MD are equity-rich, meaning the loan balance is under half the home's value. 4.0% owe more than the home is worth.

Nearby markets

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Explore Rocky Ridge 21778 on the map

See every recorded sale, price heat map, school zone and flood overlay across Rocky Ridge 21778 in TopHap’s interactive 3D map.

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