Severn, Maryland.
Typical home $511,474 (+1.3% in a year), asking rent $2,236 (-0.8%). Baltimore-Columbia-Towson, MD metro.
to buy the typical home at today's mortgage rate — +$1,296 (+93%) since Jan 2020.
- 1 year
- Up $6,351 +1%
- $505,123$511,474 since Sep 2025
- 5 years
- Up $65,973 +15%
- $445,501$511,474 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.
- Severn$2,685
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in Severn, MD rose 1.3% over the past year — in step with the nation.
Asking rents in Severn, MD fell 0.8% over the past year — slower than the nation's +2.7%.
Owning the typical home in Severn runs $1,357/mo more than renting one. The gap peaked at $1,476 in Oct 2023.
That is $3,593 a month against $2,236 rent: a $2,685 mortgage payment, plus $360 property tax and $548 insurance & upkeep.
Owning vs renting — Severn
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$3,593
- Renting$2,236
- Mortgage only$2,685
Property tax · $360/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 · $548/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 Severn, Anne Arundel County, Maryland
Severn, in Anne Arundel County, had 57,118 people in the 2020 census. Half its households earn more than $134,423 a year and half less, against $124,911 across Anne Arundel County; 6% of its people live below the poverty line. 71% of its homes are lived in by their owners and 29% 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. Severn is a community in Anne Arundel County where most homes are lived in by their owners, and household incomes run above the county's. Poverty is low, and a large share of adults hold a four-year degree. Winters are cold, with January the coldest month, and some snow falls each year. Summers are hot, with July the warmest month, and rain and melted snow add up to a fair amount over the year.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in government, and in shops. Some of the largest workplaces in Severn are Keller North America, a foundation and concrete contractor, Catalent Pharma Solutions, a pharmaceutical maker, and Walmart. Commutes are fairly long, and a good number of people work from home. Unemployment across Anne Arundel County is lower than a year ago, and the county has added jobs.
Things to do. The National Mall in Washington is a park lined with memorials, a longer drive away. The Smithsonian Institution, also a longer drive away, is a group of museums that includes the National Museum of Natural History. Baseball fans can reach Oriole Park at Camden Yards, a stadium, though it is also a longer drive.
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- 21,748households
- 46%of adults have a degree
- 6%below the poverty line
- 28 mintypical commute
- 17%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 43° and lows near 25°; warmest in July, with highs near 89° and lows near 68°. About 19 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Baltimore Wash International Airport weather station, 2 miles away (NOAA).
Largest workplaces in Severn
- Keller North AmericaFoundation, building, poured concrete, contractors2,462
- Catalent Pharma SolutionsPharmaceutical preparations manufacturing890
- WalmartWarehouse clubs and supercenters441
- PowerconElectrical insulators, ceramic, manufacturing399
- Costco WholesaleWholesale grocer227
- WalmartDiscount department stores214
- SpartanNashGeneral warehousing and storage182
- Sam's ClubWarehouse clubs and supercenters176
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 25 workplaces with 20 or more staff, 6,174 people in all. 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
- 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 Severn’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.
Severn home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Severn$511,474
- 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 Severn listings, and the typical home goes pending in 13 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.
- Severn33.91%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Severn13
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Severn95
New listings per month
Sellers arriving at the market.
- Severn42
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Severn$507,658
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Severn100.64%
Zip codes with a Severn address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Severn — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.