ZIP 21401 vs ZIP 21405

This side-by-side compares ZIP 21401 (Annapolis, MD) and ZIP 21405 (Annapolis, MD) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 21401 has a population of 36,012 at 704 people per square mile, while ZIP 21405 has 544 at 205 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 21401 reports a median household income of $123,381 against $160,703 in ZIP 21405, with per-capita income of $80,697 vs $79,136. The share of adults holding a bachelor's degree or higher is 61.1% in 21401 and 74.9% in 21405. Poverty rate reads 7.1% vs 12.1%, and unemployment 3.7% vs 4.1% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $601,400 in 21401 versus $986,100 in 21405, with median rent of $2,150 and — per month respectively. Homeownership rate is 65.4% vs 95.0%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.