Zip lookup · MD

21403
Annapolis, Maryland.

Annapolis, Anne Arundel County, MD · Baltimore-Columbia-Towson, MD metro · population 32,681

What it costs per month · 21403 $3,253/mo

to buy the typical home at today's mortgage rate — +$1,654 (+103%) since Jan 2020.

What the home itself did
1 year
Up $14,729 +2%
$605,062$619,791 since Sep 2025
5 years
Up $107,652 +21%
$512,139$619,791 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$1,000 $2,000 $3,000 2002 2006 2010 2014 2018 2022 2026 21403 $3,253 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • 21403$3,253
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 18 years.

Typical home values in zip 21403 rose 2.4% over the past year — faster than the nation's +1.2%.

Asking rents in zip 21403 rose 6.8% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 21403 runs $2,209/mo more than renting one. The gap peaked at $2,283 in Jan 2025.

That is $4,353 a month against $2,144 rent: a $3,253 mortgage payment, plus $437 property tax and $664 insurance & upkeep.

Owning vs renting — zip 21403

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$2,000 $3,000 $4,000 2022 2023 2024 2025 2026 Owning all in $4,353 Renting $2,144 Mortgage only $3,253
$2,000 $3,000 $4,000 2022 2024 2026
  • Owning all in$4,353
  • Renting$2,144
  • Mortgage only$3,253

Property tax · $437/mo 0.85% of value a year — the ACS 2020-2024 median bill over the median home value for Anne Arundel County, MD

Insurance & upkeep · $664/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Annapolis, MD — measured over the city limits, which is a different area from this zip.

Asking rent $2,144 as of Sep 2026
+6.8%year on year
Typical home value $619,791 as of Sep 2026
+2.4%year on year

Asking rent — 21403

Against the Baltimore-Columbia-Towson, MD metro and the national benchmark.

$1,700 $1,800 $1,900 $2,000 $2,100 2022 2023 2024 2025 2026 21403 $2,144 Baltimore $1,937 United States $1,932
$1,700 $1,800 $1,900 $2,000 $2,100 2022 2024 2026
  • 21403$2,144
  • Baltimore$1,937
  • United States$1,932

Typical home value — 21403

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 21403 $619,791 Baltimore $396,959 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • 21403$619,791
  • Baltimore$396,959
  • United States$366,157

Within 20 miles

Showing 30 of 59 zips in range — sorting picks from all 59.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
20.0 21219 Sparrows Point 9,565 — $381,521
19.8 21076 Hanover 24,268 $2,632 $531,302
19.6 20708 Laurel 27,593 $1,653 $480,603
19.6 20689 Sunderland 1,809 — $579,045
19.4 21661 Rock Hall 2,613 — $364,868
19.3 20706 Lanham 42,612 $2,137 $428,395
19.2 21652 Neavitt 155 — $584,150
19.1 21671 Tilghman 727 — $472,514
19.1 21658 Queenstown 3,632 — $648,569
18.9 20736 Owings 9,960 — $613,481
18.8 20772 Upper Marlboro 54,319 $2,668 $469,861
18.6 21226 Curtis Bay 6,674 $1,454 $313,877
18.5 20724 Laurel 19,369 $2,453 $463,013
18.5 21077 Harmans 63 — $453,599
18.0 21052 Fort Howard 409 — $344,359
17.9 21663 Saint Michaels 3,764 — $718,474
17.8 21612 Bozman 470 — $933,160
17.6 20769 Glenn Dale 6,947 — $634,104
16.8 20754 Dunkirk 7,545 — $628,150
16.7 21061 Glen Burnie 57,230 $1,713 $375,161
16.3 21060 Glen Burnie 39,730 $1,768 $413,535
16.2 20720 Bowie 25,015 $3,374 $569,004
16.0 20721 Bowie 31,032 $2,431 $582,619
15.8 20714 North Beach 4,525 — $417,496
15.7 21144 Severn 37,118 $2,234 $515,300
15.6 21638 Grasonville 5,420 — $577,960
15.6 20774 Upper Marlboro 51,816 $2,245 $457,975
15.5 21665 Sherwood 229 — $735,977
15.4 20758 Friendship 714 — $636,543
15.0 21647 Mcdaniel 320 — $508,624

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.