Frederick vs Jersey City
The short version
- Frederick is cheaper overall: prices in its metro run 3% lower than in the Jersey City area (BEA 2024).
- The median home costs $401,500 in Frederick and $566,900 in Jersey City.
- Frederick is growing faster: +17.8% since 2020 vs +3.2%.
- Commutes are shorter in Frederick (30 vs 37 minutes each way).
Side by side
| Frederick, MD | Jersey City, NJ | |
|---|---|---|
| People | ||
| Population (2025) | 92,059 | 302,013 |
| Growth since 2020 | +17.8% | +3.2% |
| People per square mile | 3,842 | 20,478 |
| Median age | 37.1 | 34.7 |
| Bachelor's degree or higher | 43% | 55% |
| Money and housing | ||
| Median household income | $97,069 | $97,710 |
| Median home value | $401,500 | $566,900 |
| Home value to income | 4.1× | 5.8× |
| Median rent (with utilities) | $1,764 | $2,007 |
| Metro price level (US = 100) | 108.9 | 112.6 |
| Housing price level (US = 100) | 151.1 | 148.6 |
| $75,000 elsewhere equals | $81,700 | $84,400 |
| Homeowners | 59% | 28% |
| Top state income tax | 6.5% | 10.75% |
| Combined sales tax | 6% | 6.6% |
| Work and commute | ||
| Average commute (minutes) | 30.0 | 36.8 |
| Work from home | 18% | 25% |
| Take public transit | 2% | 36% |
| Unemployment (2020-24 avg) | 3.9% | 5.5% |
| Poverty rate | 9.2% | 15.6% |
| Weather | ||
| January high / low | 43° / 27° | 40° / 26° |
| July high / low | 89° / 68° | 87° / 69° |
| Precipitation per year | 44 in | 47 in |
| Snowfall per year | 31 in | 32 in |
| Days 90°F or hotter | 36 | 28 |
| Nights below freezing | 84 | 80 |
| Comfortable months | 4 | 6 |
| Risks, air and home prices | ||
| Natural hazard risk (FEMA, county) | Relatively Low | Relatively High |
| FEMA risk score (lower is safer) | 74.2 | 97.2 |
| Good air days, 2025 | 59% | 42% |
| Home prices, past year | +1.3% | +5.7% |
| Home prices, past 5 years | +29.4% | +45.1% |
Highlighted cells are the better value where "better" is clear (lower prices, higher income, shorter commutes). Sources: Census Bureau 2025 estimates and ACS 2020-2024, BEA 2024, NOAA 1991-2020, Tax Foundation 2026.
Weather, month by month
Most comfortable months: Frederick: April to June and October. Jersey City: April to June and August to October.
Full monthly tables: Frederick weather by month and Jersey City weather by month.
What $75,000 is worth
A $75,000 salary in an average-priced US city buys about the same as $81,700 in Frederick and $84,400 in Jersey City. Moving from Frederick to Jersey City, you would need about $77,500 to match a $75,000 salary.
Which would you pick?
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