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City · 6,254 residents · Frederick County, Maryland

Thurmont , Maryland

In Thurmont, a typical home is worth $364,700 and typical rent is $927 a month. Compared with all of Frederick County, typical rent is 48% lower and the typical home value is 22% lower.

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  • Typical home value

    $364,700

    22% below the county

    13% below Maryland

    • Thurmont
    • Frederick
    • Maryland

  • Typical rent

    $927a month

    48% below the county

    46% below Maryland

    • Thurmont
    • Frederick
    • Maryland

  • Typical household income

    $98,125a year

    20% below the county

    5% below Maryland

    • Thurmont
    • Frederick
    • Maryland

  • Households that own their home

    73%

    4 points below the county

    6 points above Maryland

    • Thurmont
    • Frederick
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$393,808
about the same as 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Thurmont is in Frederick County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Frederick County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Thurmont apart

What this place has that others do not, from public data, most unusual first.

  1. Thurmont has the 3rd lowest typical rent of the 195 cities in Maryland with more than 5,000 people ($927).

  2. The typical home in Thurmont is worth $364,700, 22% less than in Frederick County as a whole ($464,600).

  3. The typical household income in Thurmont is $98,125, 20% less than in Frederick County as a whole ($122,002).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Thurmont

What homes there are in Thurmont, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Thurmont, 7 in 10 homes are single-family detached houses; in Frederick County, 6.

Year built

In Thurmont, half of the homes were built before 1987; in Frederick County, before 1991.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,928 a month

Frederick County: $2,449 a month

Without a mortgage

$721 a month

Frederick County: $731 a month

Owners with a mortgage

76%

Frederick County: 76%

In Thurmont, 76% of owners have a mortgage, and their typical cost is $1,928 a month, against $2,449 in Frederick County. Without one it drops to $721.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Thurmont rose 47%; in Frederick County, it rose 40%.

The typical rent in Thurmont fell 18% over the same time; in Frederick County, it rose 25%.

To compare: typical income in Thurmont rose 25%; the home, +47%; the rent, −18%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureThurmontFrederick CountyMarylandUnited States
Rental vacancy Unreliable estimate3.2%4.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.3%2.5%3.4%
People per household 2.592.702.572.53
Drive alone 74%68%65%69%
Carpool 7%7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 15%21%19%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Thurmont has 2.59 people on average, about the same as in Frederick County (2.70).

In Thurmont, 74% of workers drive alone to work; in Frederick County, 68%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Thurmont?

A typical home costs more than the typical income allows

We start with a typical home in Thurmont, worth $364,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Thurmont, which is $98,125 a year. For that payment to be 28% of income, a household would need to earn about $130,025 a year.

The calculator's FHA and conventional loan limits are those of all of Frederick County.

Your numbers

Local data
$

Starts at the typical home value in Thurmont. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,765 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,034

at 7.18% · 30 years

Loan amount
$358,094
Total interest
$515,213
Paid off in
November 2056

Includes $6,159 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,290 a month

  • Tight

    $2,290 to $2,944 a month

  • Hard

    more than $2,944 a month

    Your payment · 37%

Compared with the typical household income in Thurmont ($98,125 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,034
Principal & interest$2,426
Property tax$295
Home insurance$152
FHA mortgage insurance (MIP)$161

You need at least $12,765 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Thurmont and Frederick County

Thurmont is in Frederick County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Thurmont's own numbers

Typical home value
$364,700
Typical monthly rent
$927
Typical yearly household income
$98,125
Households that own their home
73%
Effective property tax rate
0.97%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Frederick County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
0.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Frederick County.

Everything about Frederick County

Buying

Buying a home in Thurmont

A typical home in Thurmont is worth $364,700: 22% below the county and 13% below Maryland. With the typical household income in Thurmont ($98,125 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Thurmont 3.7 years
  • Frederick 3.8 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Frederick County

According to FHFA’s house price index, home prices in Frederick County rose 68% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Frederick County.

Period County Maryland U.S.
Last year (2025) +0.9% +2.7% +2.9%
5 years (2020–2025) +45% +40% +47%
10 years (2015–2025) +68% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Thurmont next to Frederick County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Thurmont $364,700
  • Frederick $464,600
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Thurmont $927
  • Frederick $1,774
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Thurmont $98,125
  • Frederick $122,002
  • Maryland $103,678
  • United States $80,734
See the full table
Thurmont next to Frederick County and Maryland
Measure Thurmont Frederick County Maryland U.S.
Typical home value $364,700 $464,600 $419,900 $332,700
Typical monthly rent $927 $1,774 $1,705 $1,413
Typical yearly household income $98,125 $122,002 $103,678 $80,734
Households that own their home 73% 77% 68% 65%
Typical yearly property tax $3,525 $4,584 $4,093 $3,119
Effective property tax rate 0.97% 0.99% 0.97% 0.94%
Renters with high rent for their income 44% 48% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Frederick County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Thurmont

For a typical $364,700 home in Thurmont, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Thurmont's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,034a month

    Least cash to close
    Down payment
    $12,765
    Cash to close
    $23,706
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $161

  • Conventional, 5% down $2,967a month

    Down payment
    $18,235
    Cash to close
    $29,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $173

  • Conventional, 20% down, no PMI $2,423a month

    Down payment
    $72,940
    Cash to close
    $83,881
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,760a month

    Down payment
    $54,705
    Cash to close
    $65,646
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Thurmont and for Frederick County.

Property tax

Effective rate in Thurmont

0.97%of the home’s value each year

$3,525 a year for the typical owner in Thurmont.

  • Thurmont 0.97%
  • Frederick 0.99%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Frederick County

FEMA does not publish these numbers by city: they are for all of Frederick County.

Homes in the high-risk zone
0.9%
781
Of those, with NFIP insurance
19%
County Maryland U.S.
Homes in the high-risk zone 0.9% 1.2% 3.5%
Of those, with NFIP insurance 19% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Thurmont

Typical rent in Thurmont is $927 a month: 48% below the county. In Thurmont, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Frederick County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Frederick County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Thurmont

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Thurmont is in ZIP code 21788.

For 2 bedrooms it is $1,280: $1,158 less than the fair market rent for Frederick County ($2,438).

  • 21788 $1,280$1,630

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Thurmont when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Thurmont

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Frederick County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Thurmont

No down payment, repair or rent-help program on our list is for Thurmont or Frederick County. The ones below are statewide in Maryland: they work in Thurmont the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Thurmont

The HUD-approved agencies closest to the center of Thurmont, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The City of Frederick

    100 S Market St, Frederick · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (301) 600-1506

  • HAGERSTOWN NEIGHBORHOOD DEVELOPMENT PARTNERSHIP, INC.(HNDP)/ aka Hagerstown Home Store

    21 E Franklin St, Hagerstown · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (301) 797-0900

  • Housing Initiative Partnership, Inc.(hip)

    12900 Middlebrook Road, Germantown · 31 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (301) 916-5946

Every agency in Frederick County All counseling agencies in Maryland

Help in Spanish near Thurmont

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Thurmont

In HUD’s record, no housing authority with an office in Frederick County is named for Thurmont or Frederick County.

One other authority has an office in Frederick County: see the list Source: HUD

Cities

Other cities in Frederick County

These cities are also in Frederick County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Frederick County Housing in Maryland

Nearby cities

The cities closest to Thurmont, with the typical home value.

Neighboring counties

If Frederick County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Thurmont.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Thurmont

Short answers with the numbers for Thurmont and all of Frederick County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Thurmont?

The typical home value in Thurmont is $364,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Frederick County it is $464,600.

How much does it cost to rent in Thurmont?

Typical rent in Thurmont is $927 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Frederick County is $2,438.

What is the FHA loan limit in Thurmont?

Thurmont uses the FHA limit for all of Frederick County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Thurmont?

The typical homeowner in Thurmont pays $3,525 a year, according to the U.S. Census Bureau. That is 0.97% of the home’s value; in Frederick County, the rate is 0.99%.

Where can I find free help to buy or rent in Thurmont?

There is 1 HUD-approved counseling agency with an office in Frederick County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).