Frederick, MD 55+ Active Adult Retirement Communities

Overview

Frederick is a city in Frederick County, Maryland. Located 46 miles west of Baltimore, it is part of the Baltimore-Washington, D.C. Metropolitan area and the second largest incorporated city in Maryland. Retirees are able to choose from a large selection of activities throughout the city, both indoor and outdoor. 

Climate & Geography

Frederick has a humid subtropical climate and is slightly colder because it lies west of the fall line. The average annual high temperature is in the mid 60s and the average annual low temperature is in the mid 40s. The average annual precipitation is around 40 inches of rainfall. 

The city’s area is predominantly land with small areas of water. The main bodies of water are the Monocacy River, which runs to the east of the city, Carroll Creek through the city, and Culler Lake, a man-made lake in the downtown area. 

Recreation, Culture, & Entertainment

Residents enjoy visiting Downtown Frederick for a leisurely stroll around the river area. There’s a great selection of restaurants, pubs, and unique shops. Carroll Creek Linear Park is also great for a stroll with bridges that are designed by world renowned sculptors. 

Breweries, ice cream shops, and themed restaurants are sprinkled throughout the city. 

Sports fans are able to catch the Frederick Keys, a minor league team who play at Harry Grove Stadium. Various museums and art galleries are also available for residents to visit during the colder months. 

Cost of Living & Taxes

The median home cost in Frederick is notably higher than the national median. 

Maryland is moderately tax friendly towards retirees. Social Security and railroad retirement income are not taxed. Public pension income is partially taxed and private pension income is fully taxed. Retired military personnel over 65 are able to deduct up to $10,000 of their military pensions.

Health Care

Frederick Regional Hospital is the one medical center and hospital in Frederick. It is ranked high performing in chronic obstructive pulmonary disease (COPD) by U.S. News. Meritus Medical Center is located less than 20 miles away in Hagerstown and ranked high performing in COPD and heart failure.