Arnold, Maryland.
Typical home $593,718 (+2.1% in a year), asking rent $2,864 (-0.6%). Baltimore-Columbia-Towson, MD metro.
to buy the typical home at today's mortgage rate — +$1,493 (+92%) since Jan 2020.
- 1 year
- Up $12,347 +2%
- $581,371$593,718 since Sep 2025
- 5 years
- Up $85,110 +17%
- $508,608$593,718 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.
- Arnold$3,116
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Arnold, MD rose 2.1% over the past year — faster than the nation's +1.2%.
Asking rents in Arnold, MD fell 0.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in Arnold runs $1,242/mo more than renting one. The gap peaked at $1,271 in May 2025.
That is $4,106 a month against $2,864 rent: a $3,052 mortgage payment, plus $418 property tax and $636 insurance & upkeep.
Owning vs renting — Arnold
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.
- Owning all in$4,106
- Renting$2,864
- Mortgage only$3,052
Property tax · $418/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 · $636/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.
Living in Arnold, Anne Arundel County, Maryland
Arnold, in Anne Arundel County, had 24,064 people in the 2020 census. Half its households earn more than $141,639 a year and half less, against $124,911 across Anne Arundel County; 3% of its people live below the poverty line. 86% of its homes are lived in by their owners and 14% are rented. Unemployment in Anne Arundel County was 3.4% in August 2026, and the county had 1.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Arnold is a community where nearly everyone lives in a home they own, and households earn more than the county's typical household. Few residents live below the poverty line, and most adults hold a four-year degree. Winters are cold, with January the coldest month, and summers are hot, with July the warmest.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, government and shops. Across Anne Arundel County, the largest workplaces include Anne Arundel County Public Schools, Northrop Grumman Systems and Anne Arundel Medical Center. Many residents work from home, and the typical commute is a fairly long one.
Things to do. Navy–Marine Corps Memorial Stadium is a stadium a short drive away. Farther afield, a longer drive brings you to the Smithsonian Institution, a museum, and the National Mall, a park. The Patapsco River is also a longer drive away.
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- 8,811households
- 58%of adults have a degree
- 3%below the poverty line
- 28 mintypical commute
- 22%work from home
What residents work in
Employed residents by industry, from the Census survey. Anne Arundel County had 293,059 jobs in 2025, 1.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 29°; warmest in July, with highs near 89° and lows near 71°.
Average daily high and low, 1991–2020, at the Annapolis Police Brks weather station, 3 miles away (NOAA).
Largest workplaces in Anne Arundel County
- Anne Arundel County Public SchoolsSchool district11,336FTE
- Northrop Grumman SystemsSearch detection navigation guidance aeronautical and nautical system and instrument manufacturing6,206
- Southwest AirlinesScheduled passenger air transportation5,460
- Anne Arundel Medical CenterGeneral hospital2,463FTE
- Keller North AmericaFoundation, building, poured concrete, contractors2,462
- Baltimore Washington Medical CenterGeneral hospital2,193FTE
- Northrop Grumman SystemsSearch detection navigation guidance aeronautical and nautical system and instrument manufacturing2,091
- Anne Arundel Community CollegeTwo-year college1,717
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 405 workplaces with 20 or more staff, 72,512 people in all across the county; Arnold has two of its own. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively moderate
- LightningRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Arnold’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Anne Arundel County and the Baltimore-Columbia-Towson, MD metro.
Arnold home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Arnold$593,718
- Maryland$424,890
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Arnold listings, and the typical home goes pending in 8 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Arnold35.65%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Arnold8
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Arnold67
New listings per month
Sellers arriving at the market.
- Arnold28
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Arnold$566,997
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Arnold100.68%
Zip codes with a Arnold address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Arnold — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.