Frederick, MD

Frederick, MD has a safety score of 60/100, meaning crime rates run about 12% above the national average. The report labels overall public safety as “Good.” That score is designed so roughly the low-70s tracks a U.S. average crime load — higher numbers generally mean less crime pressure, and lower numbers mean you should ask more questions about specific streets, lighting, and night activity.

Looking under the hood, Frederick currently shows an overall crime index of 112 (100 = avg), a violent crime index of 115, a property crime index of 109. Violent and property crime do not always move together, which is why a “pretty safe” city can still have frustrating car-break-in pockets, and a higher-crime city can still have calm residential streets. If you are relocating with teenagers or late-night commutes, weigh night conditions as carefully as the composite score.

People googling “Is Frederick MD Safe?” usually want a yes or no. The better framing is whether the score matches your risk tolerance. Households coming from very low-crime suburbs often notice even average U.S. cities more than people leaving denser metros. Use the 60/100 figure as a filter, then confirm with a few evenings on the ground before you commit to a lease in Frederick.

Families researching schools will find Frederick Elementary rated 7/10 for elementary, along with Frederick Middle School rated 7/10 for middle school and Frederick High School rated 8/10 for high school. Those campus ratings sit on a 10-point scale in this report, so a 7/10 is solidly middle-of-the-pack rather than a crisis, and a 9/10 is a standout you should still verify with current district boundaries.

Overall, schools in Frederick MD grade out around B+ (Top 35% statewide). Reported student-teacher staffing is about 16:1. Recent context from the report: Modeled district estimate from public data. Parents moving in from another state should confirm enrollment documents, immunization rules, and whether Frederick uses lotteries or neighborhood assignment — those process details affect waitlists as much as the rating on a campus.

If schools are a deal-breaker, do not stop at the city headline. Request the exact elementary, middle, and high school for the address you want, then sit in a pickup line or a Friday football game if you can. Ratings in Frederick are a screening tool. The daily experience — class size, special-education capacity, after-school care — is what you actually move for.

Cost of living in Frederick MD is easiest to grasp from housing. A practical rent estimate in this report is $2,246 per month, while typical home values sit near $343,800. Rent context: HUD Fair Market Rent (2-bedroom) $2,246/mo. Home-value context: ACS 2022 median home value $343,800. Those figures are city-scale: a renovated bungalow near jobs will price differently than a farther-out three-bedroom, so use them as a budget anchor rather than a listing promise.

Beyond the rent line, Frederick currently reflects median household income around $89,981; property tax near 1.45% of assessed value; about $215 per square foot; homes typically lingering around 28 days on market; recent appreciation on the order of 14.2% over the modeled window; a housing mix of roughly 58% owners and 42% renters. Income versus rent is the gut-check: if your household is well above the local median, Frederick MD will feel easier; if you are stretching to the rent estimate, leave room for utilities, insurance, and the inevitable first-month overlap of two households.

Daily costs are not only rent. Walk Score in this report is 68 (Somewhat Walkable), and transit scores around 42 — Some Transit. If you can drop a second car because more of Frederick is errand-friendly, that savings can dwarf a $100 swing in monthly rent. If you will drive everywhere, add fuel, parking, and insurance before you call the cost of living in Frederick MD “doable.”

Weather in Frederick MD recently averages around 72°F in the modeled window, with typical highs near 82°F and lows near 61°F. That reads as a warm climate compared with a 70°F comfort baseline, which matters for utility bills as much as weekend plans. People moving from colder metros often underestimate cooling costs in Frederick; people moving from hotter ones notice the milder weeks first.

Environmental indices for Frederick currently include weather hazard index 37 (100 = avg); wind hazard index 64 (100 = avg); tornado index —; earthquake index —. The area’s environmental read is “Quiet.” Indexes around 100 track a typical U.S. load, so a number well above that is a prompt to price insurance deductibles and backup power, not a reason to panic. Ask your insurer how Frederick MD wind, hail, or flood rules would change a premium versus where you live now.

If outdoor life is part of why you want Frederick MD, visit in the least flattering season you can. A January ice event or an August heat week tells you more about living in Frederick than a perfect Saturday. Pack that reality into the cost-of-living math: higher bills, different hobbies, and occasionally a delayed closing or school-year weather day.

So should you move to Frederick MD? If the safety score, school ratings, and $2,246 rent estimate line up with your budget and risk tolerance, Frederick is worth a serious visit — not just a weekend of restaurants. Bring a weekday morning and a weeknight so you see traffic, school pickup, and noise, not only the brochure version of living in Frederick MD.

If any one pillar is a mismatch — schools that sit below what your kids need, rent that consumes too much of income, or a safety score that makes you uneasy — treat that as a signal to compare other cities rather than talking yourself into it. The point of this snapshot of living in Frederick MD is to surface those tradeoffs in plain language, using the same report values shown in the dashboard above.