PlainZIP

Annapolis, MD · standard

ZIP Code 21401

Anne Arundel County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

36,012
704/sq mi
$123,381
Median income
$601,400
Median home value
61.1%
Bachelor's or higher

The verdict

Annapolis pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 9%
household income, US ZIPs
Top 9%
home value, US ZIPs
704
people per sq mi
65%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21401 against every reporting US ZIP.

ZIP code 21401 is a densely settled ZIP (a standard USPS delivery area) in Annapolis, Anne Arundel County, Maryland, with 36,012 residents across 51.2 square miles, a density of 704 people per square mile, in the New York time zone.

ZIP 21401 skews affluent, with a median household income of $123,381 (8% above the Maryland average), while per-capita income is $80,697. 7.1% of residents live below the poverty line, and the unemployment rate reads 3.7%. Median home value sits at $601,400 (34% above the state average), median rent at $2,150 a month, and owner-occupancy at 65.4%.

This is a highly-educated ZIP: 61.1% of adults hold a bachelor's degree or higher, the median age is 47.7, and the average commute is 28 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 21401, plus 6 more within Anne Arundel County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 21401

Top 5 sectors by establishment count in Annapolis, MD

Which industries have the most business establishments in ZIP 21401.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 21401, Annapolis, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

36,012

Population

51.2

Area (sq mi)

704

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 21401?

47.7

Median Age

46.8%

Male

53.2%

Female

8.5%

Foreign-Born

White 69.7%
African American 16.1%
Asian 3.6%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.4%
Hispanic or Latino 8.1%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$123,381

Median Household Income

+8% vs state

$80,697

Per Capita Income

7.1%

Poverty Rate

3.7%

Unemployment Rate

28.4 min

Mean Commute Time

How ZIP 21401 ranks nationally

Annapolis, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$123,381 Top 9% higher than 91% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 75.0%
Bachelor's Degree or Higher 61.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

19,567

Total Housing Units

17,984

Occupied Units

1,583

Vacant Units

2.09

Avg Household Size

Occupancy Type

Owner 65.4%
Renter 34.6%

$601,400

Median Home Value

+34% vs state

$2,150

Median Rent

1985

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+7.4%

YoY Change (2024)

292

HPI Index (2000 = 100)

+192%

Total Change Since 2000

Home values in ZIP 21401 have increased 7.4% over the past year (2024). Since 2000, this ZIP has seen +192% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.9% 203
2021 +9.0% 221
2022 +8.8% 241
2023 +12.9% 272
2024 +7.4% 292

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 2,837 business establishments in ZIP 21401, employing approximately 44,530 people with a combined annual payroll of $3,131,831,000.

2,837

Businesses

44,530

Employees

$3.1B

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 511 18.0%
Retail trade 447 15.8%
Health care and social assistance 386 13.6%
Other services (except public administration) 274 9.7%
Accommodation and food services 245 8.6%
Finance and insurance 228 8.0%
Construction 174 6.1%
Real estate and rental and leasing 144 5.1%
Administrative and support and waste management and remediation services 122 4.3%
Wholesale trade 82 2.9%
Arts, entertainment, and recreation 53 1.9%
Information 51 1.8%
Educational services 44 1.6%
Manufacturing 26 0.9%
Transportation and warehousing 26 0.9%
Management of companies and enterprises 12 0.4%
Utilities 10 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 21401 vs 21405 →

ZIP 21401 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 21401 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 21401 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 21401 ranks #9 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
21405 Annapolis, MD 544 2.8 mi
21140 Riva, MD 3,457 3.3 mi
21402 Annapolis, MD 5,217 4.2 mi
21037 Edgewater, MD 20,618 5.1 mi
21146 Severna Park, MD 26,705 6.1 mi
21032 Crownsville, MD 8,848 4.2 mi
21403 Annapolis, MD 30,269 4.4 mi
21012 Arnold, MD 21,317 4.8 mi
21409 Annapolis, MD 20,064 5.9 mi
21035 Davidsonville, MD 7,815 5.9 mi

More ZIP Codes in Anne Arundel County

21122 standard
Pasadena, MD
Pop: 60,576
21061 standard
Glen Burnie, MD
Pop: 53,684
21144 standard
Severn, MD
Pop: 31,884
21113 standard
Odenton, MD
Pop: 30,469
21403 standard
Annapolis, MD
Pop: 30,269
21060 standard
Glen Burnie, MD
Pop: 29,223

Related Areas

Anne Arundel County Annapolis, MD Maryland

Frequently Asked Questions

What county is ZIP code 21401 in? ▼
ZIP code 21401 (Annapolis) is located in Anne Arundel County, Maryland. Anne Arundel County contains multiple ZIP codes, see the full list at /counties/anne-arundel-md.
What is the population of ZIP code 21401? ▼
ZIP code 21401 in Annapolis, MD has a population of 36,012 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21401? ▼
The median household income in ZIP 21401 is $123,381, which is 62% above the national average of $76,288.
What is the average home value in ZIP 21401? ▼
The median home value in ZIP 21401 is $601,400, which is 116% above the national average of $278,155.
What is the demographic makeup of ZIP 21401? ▼
The largest racial group in ZIP 21401 is White at 69.7%. Hispanic or Latino residents make up 8.1% of the population.
How many businesses are in ZIP code 21401? ▼
ZIP code 21401 has 2,837 business establishments employing approximately 44,530 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21401? ▼
The top industries by establishment count in ZIP 21401 are: Professional, scientific, and technical services (511), Retail trade (447), Health care and social assistance (386). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 21401? ▼
According to the FHFA House Price Index, home values in ZIP 21401 increased by 7.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 192%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 21401? ▼
In ZIP code 21401, 75.0% of residents aged 25+ have a high school diploma or higher, and 61.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 21401? ▼
The mean commute time for workers in ZIP code 21401 is 28.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 21401? ▼
In ZIP code 21401, approximately 65.4% of occupied housing units are owner-occupied and 34.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21401? ▼
The poverty rate in ZIP code 21401 is 7.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.