The story of this market
The typical home in ZIP 21409 sells for about $592,499, or $339 per square foot.
Prices are up +21.45% from a year ago, so sellers still have some momentum. Homes take about 55 days to sell. HUD's fair market rent for a two-bedroom is $2,700 a month.
ZIP 21409 — Annapolis
The 21409 housing market shows strong year-over-year price appreciation of 21.45% with a median sale price of $592,499. Inventory remains tight with 70 active listings, reflecting a competitive environment for buyers. Several metrics, including specific tax rates and school ratings, were not determinable at the ZIP level and have been omitted.
This ZIP is well-suited for family buyers and professionals who value waterfront access and a suburban environment, particularly those who benefit from the area's high remote-work prevalence.
Median prices moved up 21.4% year over year.
Homes spend a median of 55 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
ZCTA 21409, Anne Arundel County, MD
Crime rates in the Annapolis area are generally considered moderate, with property crime being more prevalent than violent crime; the area compares favorably to more urbanized sections of the Baltimore-Washington corridor.
Schools serving the 21409 ZIP code are part of the Anne Arundel County Public Schools system, which generally maintains a strong reputation with several highly-rated elementary and secondary institutions.
The area faces significant flood risk due to its proximity to the Chesapeake Bay and tidal tributaries, with increasing frequency of nuisance flooding reported in recent years.
Economic momentum is driven by proximity to the Maryland state capital, the U.S. Naval Academy, and a robust professional services sector, with steady demand for residential infill.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Maryland) — Maryland Real Property Assessment and Taxation: Property is assessed at its phased-in use value. The tax is calculated by multiplying the assessed value by the applicable state and local tax rates.
The area functions as a residential hub with a significant remote-work profile, situated within commuting distance of Annapolis and the broader Baltimore-Washington corridor.
The area features proximity to the Chesapeake Bay, offering access to waterfront parks, community beaches, and boating amenities typical of the Cape St. Claire region.
The rental market shows moderate depth with a median asking rent of $2,700; inventory for rent is relatively limited compared to for-sale stock.
The local economy is characterized by a high concentration of remote workers and proximity to the professional and government employment hubs of Annapolis.
Transportation is heavily dependent on private vehicles, with limited public transit options connecting to the broader Baltimore-Washington regional network.
Development is constrained by environmental protections and limited remaining buildable land, focusing on redevelopment of existing parcels.
The Anne Arundel County Office of Finance manages property assessments, which are conducted on a triennial cycle.
Parcels may be subject to various special taxing districts for water, sewer, and community infrastructure maintenance.
Property insurance premiums are rising due to increased flood and storm risk associated with the Chesapeake Bay shoreline.
Data retrieved from Census Reporter and IncomeByZipCode.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Community-focused waterfront access on the Chesapeake Bay.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.