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Area data

Funkstown, MD — ZIP 21734

Population: 1,076 (Census ACS)

The median home value in ZIP 21734 (Funkstown, MD) is $278,096 — down 0.6% over the past year. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with drought, heatwave, hurricane the top-rated hazards. Cost of living is 8.0% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$278,096

Median home value

-0.6%

1-year change

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$278,096
1-year appreciation
-0.6%
3-year appreciation
+6.1%
All-time peak (2025-02)
$285,028
House Price Index (state)
367.5 (+0.7% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

1-year forecast
+1.5%

Source: recent area sales and market data (ZIP-level)

Affordability

Cost of living index (Above Average)
108.0 (100 = US avg)
Electricity rate (state-level)
19.5¢/kWh
Natural gas rate (state-level)
$16.10/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
drought, heatWave, hurricane, inlandFlooding, lightning
Notable hazard ratings (county)
coldWave: Relatively Low · drought: Relatively Moderate · earthquake: Relatively Low · hail: Relatively Low · heatWave: Relatively Moderate · hurricane: Relatively Moderate
Wildfire risk to homes (county)
Higher than 36% of US counties
Buildings in wildfire direct-exposure zone
52.1%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
1
Nearest Superfund site
Central Chemical (Hagerstown) (3.6 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
55.0°F
Average high
65.0°F
Average low
45.0°F
Annual precipitation
44.9 in
USDA plant hardiness zone
7a (extreme annual low 0 to 5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
42
Days with Good air quality
267
Days with Moderate air quality
82
Days with Unhealthy air quality
2
Highest AQI recorded (year)
172

Source: EPA air quality data (nearest monitoring station, annual)

Amenities

National parks within ~60 mi
20
Nearest national park
Antietam National Battlefield (10 mi)
National parks include
Antietam National Battlefield, Catoctin Mountain Park, Harpers Ferry National Historical Park
Airports within 30 mi
35
Nearest airport
Laura's Landing Airport (4 mi)
Nearest major airport
Hagerstown Regional Richard A Henson Field (HGR) (7 mi)
Hospitals nearby (~15 mi)
1,090
Hospitals include
MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
Avg hospital rating (CMS)
3.1 / 5
Best hospital rating nearby (CMS)
5.0 / 5
EV charging stations (within 10 mi)
60
Solar radiation rating
Fair (4.0 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+509 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,954
Housing built before 1970
64.3%
Housing built 2000 or later
8.9%
Median annual property tax
$1,997
Households with broadband internet
72.2%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
54,247
Average weekly wage
$1,028
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
209

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 21734State medianUS median
Median home value$278,096$452,533$289,727
Median annual property tax$1,997$3,862$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 21734?
$278,096.
What is the natural-hazard risk in ZIP 21734?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: drought, heatWave, hurricane, inlandFlooding, lightning.
What is the wildfire risk in ZIP 21734?
Risk to homes is higher than 36% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 21734?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 21734?
1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Central Chemical (Hagerstown), 3.6 mi.
What is the air quality in ZIP 21734?
Good. Median AQI: 42. (EPA AQI).
What is the cost of living in ZIP 21734?
Regional Price Parity: 108.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents