PlainZIP

Annapolis, MD · standard

ZIP Code 21403

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

30,269
1,286/sq mi
$123,329
Median income
$582,500
Median home value
56.4%
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 10%
home value, US ZIPs
1,286
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 21403 against every reporting US ZIP.

ZIP code 21403 is a densely settled ZIP (a standard USPS delivery area) in Annapolis, Anne Arundel County, Maryland, with 30,269 residents across 23.5 square miles, a density of 1,286 people per square mile, in the New York time zone.

ZIP 21403 skews affluent, with a median household income of $123,329 (8% above the Maryland average), while per-capita income is $78,015. Poverty here runs at 5.8%, with unemployment measured at 2.6%. On housing, the median home value is $582,500 (30% above the state average) with median rent at $1,942 per month, and 69.1% of occupied units are owner-occupied.

This is a highly-educated ZIP: 56.4% of adults hold a bachelor's degree or higher, the median age is 45.3, and the average commute is 31 minutes. To put 21403 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Anne Arundel County, for a geography-aware comparison.

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 21403

Top 5 sectors by establishment count in Annapolis, MD

Which industries have the most business establishments in ZIP 21403.

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 21403, 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

30,269

Population

23.5

Area (sq mi)

1,286

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 21403?

45.3

Median Age

49.4%

Male

50.6%

Female

9.8%

Foreign-Born

White 67.4%
African American 11.7%
Asian 1.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 8.0%
Hispanic or Latino 16.1%

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?

$123,329

Median Household Income

+8% vs state

$78,015

Per Capita Income

5.8%

Poverty Rate

2.6%

Unemployment Rate

31.4 min

Mean Commute Time

How ZIP 21403 ranks nationally

Annapolis, MD household income vs. every US ZIP code

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

$123,329 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 69.4%
Bachelor's Degree or Higher 56.4%

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

What does housing look like?

15,460

Total Housing Units

14,359

Occupied Units

1,101

Vacant Units

2.26

Avg Household Size

Occupancy Type

Owner 69.1%
Renter 30.9%

$582,500

Median Home Value

+30% vs state

$1,942

Median Rent

1979

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

+5.8%

YoY Change (2024)

290

HPI Index (2000 = 100)

+190%

Total Change Since 2000

Home values in ZIP 21403 have increased 5.8% over the past year (2024). Since 2000, this ZIP has seen +190% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.0% 204
2021 +10.3% 225
2022 +11.7% 252
2023 +9.1% 274
2024 +5.8% 290

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 678 business establishments in ZIP 21403, employing approximately 6,546 people with a combined annual payroll of $388,715,000.

678

Businesses

6,546

Employees

$388.7M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 136 20.1%
Other services (except public administration) 77 11.4%
Retail trade 71 10.5%
Construction 62 9.1%
Accommodation and food services 50 7.4%
Health care and social assistance 48 7.1%
Administrative and support and waste management and remediation services 47 6.9%
Real estate and rental and leasing 39 5.8%
Finance and insurance 32 4.7%
Arts, entertainment, and recreation 29 4.3%
Wholesale trade 26 3.8%
Transportation and warehousing 19 2.8%
Manufacturing 13 1.9%
Information 11 1.6%
Educational services 8 1.2%
Management of companies and enterprises 5 0.7%

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 21403 vs 21402 →

ZIP 21403 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 21403 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 21403 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 21403 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
21402 Annapolis, MD 5,217 3.2 mi
21037 Edgewater, MD 20,618 3.4 mi
21140 Riva, MD 3,457 5.0 mi
21401 Annapolis, MD 36,012 4.4 mi
21012 Arnold, MD 21,317 7.0 mi
21409 Annapolis, MD 20,064 5.8 mi
20764 Shady Side, MD 4,176 7.7 mi
21405 Annapolis, MD 544 6.8 mi
21035 Davidsonville, MD 7,815 7.8 mi
20765 Galesville, MD 514 7.4 mi

More ZIP Codes in Anne Arundel County

21122 standard
Pasadena, MD
Pop: 60,576
21061 standard
Glen Burnie, MD
Pop: 53,684
21401 standard
Annapolis, MD
Pop: 36,012
21144 standard
Severn, MD
Pop: 31,884
21113 standard
Odenton, MD
Pop: 30,469
21060 standard
Glen Burnie, MD
Pop: 29,223

Related Areas

Anne Arundel County Annapolis, MD Maryland

Frequently Asked Questions

What county is ZIP code 21403 in? ▼
ZIP code 21403 (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 21403? ▼
ZIP code 21403 in Annapolis, MD has a population of 30,269 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 21403? ▼
The median household income in ZIP 21403 is $123,329, which is 62% above the national average of $76,288.
What is the average home value in ZIP 21403? ▼
The median home value in ZIP 21403 is $582,500, which is 109% above the national average of $278,155.
What is the demographic makeup of ZIP 21403? ▼
The largest racial group in ZIP 21403 is White at 67.4%. Hispanic or Latino residents make up 16.1% of the population.
How many businesses are in ZIP code 21403? ▼
ZIP code 21403 has 678 business establishments employing approximately 6,546 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 21403? ▼
The top industries by establishment count in ZIP 21403 are: Professional, scientific, and technical services (136), Other services (except public administration) (77), Retail trade (71). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 21403? ▼
According to the FHFA House Price Index, home values in ZIP 21403 increased by 5.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 190%. 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 21403? ▼
In ZIP code 21403, 69.4% of residents aged 25+ have a high school diploma or higher, and 56.4% 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 21403? ▼
The mean commute time for workers in ZIP code 21403 is 31.4 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 21403? ▼
In ZIP code 21403, approximately 69.1% of occupied housing units are owner-occupied and 30.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 21403? ▼
The poverty rate in ZIP code 21403 is 5.8% 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.