Located just over an hour northwest of Washington DC, Frederick was once known only as a quiet historic town, but in the past decade, it has quickly emerged as a sought-after area for upscale housing.

The most frequently mentioned area is Urbana. Developed in the 2000s, it features a mix of large single-family homes and townhouses, growing into a self-sufficient community with its own high school and commercial district. Other areas like Worman's Mill and Ballenger Creek also form relatively high price ranges.

• Urbana - Dense with newly built large homes, median price range $650,000 to $850,000
• Worman's Mill - Residential area near a lake, $450,000 to $600,000
• Ballenger Creek - Quiet suburban neighborhood, $400,000 to $550,000

The overall median home price in Frederick County is approximately $430,000 to $460,000 as of 2025. Compared to the Urbana area, there is a difference of over $200,000, and it is evident that the more recently developed areas within Frederick tend to have relatively higher prices.

The background for Urbana's rise as a wealthy neighborhood includes its school district and new infrastructure. Urbana High School is highly rated within Frederick County, and the planning of roads and commercial facilities from the design stage has contributed to its high livability ratings.

In recent years, Korean families feeling the price pressure near Montgomery County or Washington DC have increasingly moved to Frederick, particularly to Urbana, in search of relatively larger lots and new homes.

However, Frederick still has a lower absolute price range compared to traditional high-cost areas near Washington. This means that it is considered a practical attraction of the area to find spacious new homes with a relatively smaller budget.

When considering residences in Frederick, it is essential to calculate commuting distances and times. Depending on public transportation or highway conditions, commuting times to downtown Washington can vary significantly, so it is advisable to consider the overall lifestyle rather than just the price when making a decision.