How much do homeowners pay a month in Point of Rocks, MD?

Name: Homeowner costs in Point of Rocks, MD, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Point of Rocks, MD pay a median of $2,842 (±$205) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $779 (±$484).

90.2% of owned homes carry a mortgage.

In Point of Rocks, the median monthly cost with a mortgage went from $2,244 in 2015–2019 to $2,842 in 2020–2024 (+26.6%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $2,842 (±$205)
Without a mortgage: $779 (±$484)
Owned with a mortgage: 90.2%

Monthly owner costs in Point of Rocks

Median selected monthly owner costs, estimate (90% margin of error)
	Point of Rocks	Frederick County	Maryland	United States
With a mortgage	$2,842 (±$205)	$2,449 (±$34)	$2,347 (±$8)	$1,963
Without a mortgage	$779 (±$484)	$731 (±$21)	$753 (±$4)	$638
Owned homes with a mortgage	90.2% (±7.4 points)	76.1% (±1.1 points)	71.0% (±0.3 points)	60.6%
Median real estate taxes (a year)	$4,337 (±$745)	$4,584 (±$51)	$4,093 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Point of Rocks, the median cost with a mortgage is higher than in Frederick County ($2,449).

It is also higher than in Maryland ($2,347).

It is higher than the national figure ($1,963).

In Frederick County, Point of Rocks ranks 8 of 24 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 77 of 381.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Point of Rocks have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,244 (±$135)	$2,842 (±$205)	+26.6%	No measurable change after inflation
Median real estate taxes	$3,299 (±$399)	$4,337 (±$745)	+31.5%	No measurable change after inflation
Median home value	$356,500 (±$28,573)	$480,500 (±$51,422)	+34.8%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Point of Rocks

Nearest places with a published estimate, compared with Point of Rocks
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Point of Rocks	—	$2,842 (±$205)	—
Adamstown	3.8 mi	$3,048 (±$198)	Not measurably different
Brunswick	5.8 mi	$2,097 (±$183)	Lower
Lovettsville	6.0 mi	$2,949 (±$217)	Not measurably different
Jefferson	6.1 mi	$2,474 (±$198)	Lower
Buckeystown	6.3 mi	$2,296 (±$374)	Lower
Rosemont	6.3 mi	$2,108 (±$274)	Lower
Barnesville	9.0 mi	$4,000 or more	—
Ballenger Creek	9.2 mi	$2,180 (±$93)	Lower

Nearby places with a measurably lower figure: Brunswick, MD ($2,097), Jefferson, MD ($2,474), Buckeystown, MD ($2,296).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Frederick County, place by place

Rank	Place	Median monthly cost with a mortgage
2	Urbana	$3,220 (±$188)
3	New Market	$3,145 (±$171)
4	Bartonsville	$3,124 (±$237)
5	Adamstown	$3,048 (±$198)
6	Middletown	$2,869 (±$181)
7	Green Valley	$2,866 (±$165)
8	Point of Rocks	$2,842 (±$205)
9	Myersville	$2,788 (±$179)
10	Spring Ridge	$2,684 (±$133)
11	Braddock Heights	$2,674 (±$685)
12	Linganore	$2,661 (±$129)
13	Woodsboro	$2,528 (±$301)
14	Jefferson	$2,474 (±$198)

Showing 13 of 24 places in Frederick County, ranked from highest to lowest.

Point of Rocks is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in Point of Rocks

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Point of Rocks beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Point of Rocks, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Point of Rocks, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Point of Rocks

What is the average mortgage payment in Point of Rocks?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Point of Rocks, MD is $2,842 (±$205) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Point of Rocks?

Owners without a mortgage in Point of Rocks pay a median of $779 (±$484) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Point of Rocks gone up?

In Point of Rocks, the median monthly cost with a mortgage went from $2,244 in 2015–2019 to $2,842 in 2020–2024 (+26.6%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Point of Rocks CDP, Maryland (place:62575, in state:24).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.