1st Advantage MortgageThe median Anne Arundel County household earns $124,911, and 6% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Maryland before sharing details.
On this page
- Who lives in Anne Arundel County
- Renting and owning in Anne Arundel County
- Household income in Anne Arundel County
- Work, industries and travel time in Anne Arundel County
- Anne Arundel County's most unusual numbers
- The counties around Anne Arundel County
- Anne Arundel County communities by population
- What a median Anne Arundel County budget can carry
- What the numbers mean for Anne Arundel County borrowers
- Anne Arundel County residents: age, schooling, coverage
- Lender oversight for Anne Arundel County
- A Anne Arundel County borrower's checklist
- Keep exploring
- Frequently asked questions
Who lives in Anne Arundel County
Roughly 598,166 residents live in Anne Arundel County, Maryland, 4th by population among the state's 24 counties and county equivalents. Anne Arundel County spans 415 square miles; with 598,166 people, that is 1,442.0 per square mile. It is one of the counties that make up the Baltimore-Columbia-Towson, MD metropolitan statistical area (OMB, 2023). Glen Burnie (72,590 people) heads the county's list of 31 Census places, 2 incorporated and 29 census-designated.
Renting and owning in Anne Arundel County
Median gross rent, utilities included, comes to $2,071 in Anne Arundel County versus $1,705 statewide. Cost-burdened renters, paying 30%-plus of income: 47% in Anne Arundel County, 51% statewide. With a median value of $467,900, a typical Anne Arundel County house costs 3.7 times what the median household earns in a year. The ownership rate is 75%. Half the housing stock was built before 1983. Nationally, Anne Arundel County's $2,071 rent is 136% above the middle county.
| Anne Arundel County | Maryland | Difference | |
|---|---|---|---|
| Owners | 75% | 68% | +7.5 pts |
| Rent-burdened renters | 47% | 51% | -4.3 pts |
| Burdened owners | 24% | 27% | -2.2 pts |
| Median gross rent | $2,071/mo | $1,705/mo | 21% higher |
| Median home value | $467,900 | $419,900 | 11% higher |
In an owner-heavy county like Anne Arundel County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Household income in Anne Arundel County
At $124,911, the typical Anne Arundel County household income is 90% above the median U.S. county ($65,681). In the state ranking that is 4th of 24.
| Yearly household income | Anne Arundel County | Gap to Maryland |
|---|---|---|
| Under $35,000 | 10.1% | -5.9 pts |
| $35,000 to $99,999 | 28.5% | -3.8 pts |
| $100,000 to $199,999 | 36.3% | +5.0 pts |
| $200,000 or more | 25.0% | +4.7 pts |
About 10% of households earn under $35,000, while 61% clear $100,000. Anne Arundel County counts about 33,762 residents below the poverty line, 5.6% of the population. For a borrower in Anne Arundel County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Work, industries and travel time in Anne Arundel County
Top Anne Arundel County industry by residents employed: education and health care, 21%; second, professional and administrative services, 17%. The survey's unemployment rate for Anne Arundel County averages 3.7% over 2020 to 2024 (state: 4.9%). Commutes of 45 minutes-plus: 21%; under 15 minutes: 21%. Only 4.1% of homes here go without a vehicle.
| Top industries | Anne Arundel County share | +/- vs Maryland |
|---|---|---|
| Education and health care | 21.3% | -2.6 pts |
| Professional and administrative services | 17.2% | +0.7 pts |
| Public administration | 12.2% | +1.2 pts |
| Retail trade | 9.2% | +0.3 pts |
| Construction | 8.0% | +0.7 pts |
| Arts, lodging and food service | 7.3% | -0.2 pts |
Seasonal work is common in many Anne Arundel County industries; if that is you, show a full year of income rather than one strong month.
Anne Arundel County's most unusual numbers
Out of every Maryland county, Anne Arundel County is most unusual on these measures.
- On median gross rent, Anne Arundel County sits near the top of Maryland at $2,071/mo, 2nd highest of 24. High rent is the first thing a lender's ratio will see.
- Anne Arundel County ranks 3rd highest of 24 Maryland counties for median home value: $467,900, against $419,900 statewide. Owners with equity have more options, including secured credit, but that puts the house at risk.
- Few Maryland counties match Anne Arundel County on the poverty rate: 5.6% here, 9.4% for the state, ranking 4th lowest of 24. A low poverty rate does not mean every budget has room; test the payment.
The counties around Anne Arundel County
Six nearby counties, 19 to 27 miles away by the straight-line distance between their centers. Anne Arundel County's $124,911 median trails 1 of the six and beats 5; the range runs $62,177 (Baltimore city) to $149,763 (Howard County). The list crosses into District of Columbia, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Anne Arundel County | - | $124,911 | $2,071/mo | 75% |
| Prince George's County, MD | 19 mi | $101,798 | $1,799/mo | 62% |
| Baltimore city, MD | 21 mi | $62,177 | $1,331/mo | 48% |
| District of Columbia, DC | 25 mi | $109,870 | $1,954/mo | 42% |
| Queen Anne's County, MD | 26 mi | $112,826 | $1,619/mo | 83% |
| Howard County, MD | 27 mi | $149,763 | $2,099/mo | 71% |
| Talbot County, MD | 27 mi | $84,811 | $1,256/mo | 75% |
Anne Arundel County communities by population
534,840 of Anne Arundel County's 598,166 residents live in its 31 Census places (89%); the 14 largest are listed. Galesville ($205,205) and Brooklyn Park ($87,989) mark the top and bottom of Anne Arundel County's income range among larger places. Rent is cheapest in Brooklyn Park ($1,379) and steepest in Deale ($3,130). No Anne Arundel County place has a separate guide yet; this county page serves all 31.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Glen Burnie | CDP | 72,590 | $88,280 | $1,648 | 12 mi |
| Severn | CDP | 58,402 | $134,423 | $2,175 | 12 mi |
| Odenton | CDP | 45,002 | $128,441 | $2,257 | 9 mi |
| Annapolis | city | 40,720 | $113,860 | $1,860 | 3 mi |
| Severna Park | CDP | 40,228 | $169,953 | $1,699 | 7 mi |
| Pasadena | CDP | 34,309 | $129,727 | $2,393 | 11 mi |
| Crofton | CDP | 29,549 | $150,577 | $2,217 | 7 mi |
| Arnold | CDP | 24,303 | $141,639 | $2,158 | 5 mi |
| Maryland City | CDP | 19,186 | $117,337 | $2,421 | 15 mi |
| Lake Shore | CDP | 18,249 | $130,689 | $1,806 | 8 mi |
| Ferndale | CDP | 17,529 | $94,948 | $2,022 | 14 mi |
| Parole | CDP | 17,229 | $120,361 | $2,306 | 1 mi |
| Brooklyn Park | CDP | 16,067 | $87,989 | $1,379 | 16 mi |
| Riviera Beach | CDP | 12,192 | $112,672 | $1,972 | 12 mi |
What a median Anne Arundel County budget can carry
Here is the Anne Arundel County median household run through a simple DTI check. Your numbers will differ.
- $124,911 a year is $10,409 of gross monthly income
- Rent at the median, $2,071, takes 20% of that
- $1,572: what a 35% ratio leaves once rent is paid
- At 45%, room after rent is $2,613 a month
Two-income households and single earners in Anne Arundel County land in very different places on this math, so run it for your own budget.
What the numbers mean for Anne Arundel County borrowers
Based on the Anne Arundel County data above, these borrowing questions are most likely to matter locally.
- Commuter costs. 21% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- 61% at $100,000+. Good credit gets more offers in Anne Arundel County; use that to compare, not to borrow more.
- Rent squeeze. 47% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Anne Arundel County residents: age, schooling, coverage
College graduates make up 46% of the adult population. The uninsured rate is 4.7%, against 6.3% for Maryland.
| Anne Arundel County | vs Maryland | vs U.S. county median | |
|---|---|---|---|
| No vehicle | 4.1% | -4.7 pts | -1.4 pts |
| Poverty rate | 5.6% | -3.8 pts | -7.5 pts |
| No high school diploma | 6.4% | -2.5 pts | n/a |
| Bachelor's or higher | 45.8% | +2.3 pts | +23.6 pts |
| No health insurance | 4.7% | -1.5 pts | -3.1 pts |
| Unemployment (ACS) | 3.7% | -1.2 pts | -0.7 pts |
| Work from home | 18.5% | -0.9 pts | +9.8 pts |
| Median age | 39.0 | -0.4 yrs | -2.5 yrs |
| Commute length | Anne Arundel County |
|---|---|
| Under 15 min | 20.7% |
| 15 to 29 min | 35.0% |
| 30 to 44 min | 23.5% |
| 45 to 59 min | 9.9% |
| 60+ min | 10.8% |
Lender oversight for Anne Arundel County
Licensing happens at the state level, so a lender working with Anne Arundel County borrowers answers to the Maryland Office of Financial Regulation. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Maryland guide covers state rules in more detail.
A Anne Arundel County borrower's checklist
Before you apply, wherever you live in Anne Arundel County:
- Price the Anne Arundel County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Maryland borrowers.
- Never pay a fee up front to get a loan.
Keep exploring
Next step up from Anne Arundel County:
Frequently asked questions
Is $124,911 a good income in Anne Arundel County?
It is the county median, so half of Anne Arundel County households earn more and half less; 61% earn $100,000 or more.
What is the median rent in Anne Arundel County, MD?
$2,071 a month, utilities included, or $24,852 a year.
I live in a small Anne Arundel County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Glen Burnie, Severn, Odenton, Annapolis, Severna Park and 26 more.
Can Anne Arundel County residents use the questionnaire?
Yes. It asks the same questions in every Maryland county, lists every requirement up front and does not affect your credit score.
Is there a Anne Arundel County office that licenses lenders?
No, licensing is statewide. In Maryland it is the Maryland Office of Financial Regulation.