Annapolis, Maryland.
Typical home $622,074 (+2.4% in a year), asking rent $2,344 (+3.7%). Baltimore-Columbia-Towson, MD metro.
to buy the typical home at today's mortgage rate — +$1,631 (+100%) since Jan 2020.
- 1 year
- Up $14,752 +2%
- $607,323$622,074 since Sep 2025
- 5 years
- Up $104,995 +20%
- $517,079$622,074 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.
- Annapolis$3,265
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Annapolis, MD rose 2.4% over the past year — faster than the nation's +1.2%.
Asking rents in Annapolis, MD rose 3.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in Annapolis runs $2,025/mo more than renting one. The gap peaked at $2,075 in Jan 2025.
That is $4,369 a month against $2,344 rent: a $3,265 mortgage payment, plus $438 property tax and $666 insurance & upkeep.
Owning vs renting — Annapolis
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$4,369
- Renting$2,344
- Mortgage only$3,265
Property tax · $438/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 · $666/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 Annapolis, Anne Arundel County, Maryland
Annapolis is a city of 40,812 people in Anne Arundel County. Half its households earn more than $113,860 a year and half less, against $124,911 across Anne Arundel County; 8% of its people live below the poverty line. 62% of its homes are lived in by their owners and 38% are rented. Unemployment in Annapolis was 3.3% in August 2026, and Anne Arundel 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. Annapolis is a city where many residents are older than in the typical American town, and where most households own the home they live in. Incomes sit a little below those across Anne Arundel County, and homes and rents are on the expensive side. A large share of 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, professional and business services, government, and restaurants, hotels and entertainment. Among the largest workplaces in Annapolis are TeleCommunication Systems, the Annapolis Yacht Club and St. John's College. Unemployment is a little lower than a year ago, and across Anne Arundel County the number of jobs has grown slightly. The typical commute is a moderate one, and a good number of people work from home.
Things to do. Navy–Marine Corps Memorial Stadium, a stadium, is in or beside town. A longer drive away lies Washington, where the Smithsonian Institution's museums, the National Mall, a park, and the Washington Monument, a protected area, are among the best known places to visit.
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- 17,998households
- 54%of adults have a degree
- 8%below the poverty line
- 30 mintypical commute
- 21%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, 2 miles away (NOAA).
Largest workplaces in Annapolis
- TeleCommunication SystemsNetwork systems integration design services, computer506
- Annapolis Yacht ClubYacht clubs with marinas200
- St. John's CollegeUniversity or college167
- Continental ContractorsBuilding construction98
- Sunrise Senior Living, LLC.Nursing care facilities79
- GRAD Annapolis7474
- NAI Saturn EasternSupermarkets and other grocery stores72
- PyramidResidential construction, single-family, general contractors72
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 15 workplaces with 20 or more staff, 1,406 people in all. Colleges come from IPEDS (NCES, 2023–24). 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 high in parts of AnnapolisRelatively moderate
- LightningRelatively moderate
- Strong windRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Annapolis’ 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.
Annapolis home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Annapolis$622,074
- 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 4 Annapolis listings, and the typical home goes pending in 14 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.
- Annapolis28.41%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Annapolis14
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Annapolis357
New listings per month
Sellers arriving at the market.
- Annapolis125
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Annapolis$635,314
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Annapolis99.67%
Zip codes with a Annapolis address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Annapolis — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Annapolis
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 21401 | Annapolis | 38,629 | $2,358 | $629,733 |
| 21403 | Annapolis | 32,681 | $2,144 | $619,791 |
| 21409 | Annapolis | 20,289 | $3,157 | $592,593 |
| 21405 | Annapolis | 495 | — | $1,561,934 |