1st Advantage MortgageQueen Anne's County households have a median income of $112,826 and median rent of $1,619 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Maryland license first.
On this page
- Queen Anne's County, MD: the basics
- Work, industries and travel time in Queen Anne's County
- What Queen Anne's County households earn
- Renting and owning in Queen Anne's County
- Places inside Queen Anne's County
- Regional comparison for Queen Anne's County
- Room for a loan payment in Queen Anne's County
- Borrowing situations common in Queen Anne's County
- More Queen Anne's County figures
- Who licenses lenders for Queen Anne's County residents
- Four steps for Queen Anne's County borrowers
- More guides for Queen Anne's County
- Frequently asked questions
Queen Anne's County, MD: the basics
Roughly 51,825 residents live in Queen Anne's County, Maryland, 18th by population among the state's 24 counties and county equivalents. Packed into 372 square miles, that is close to 139 residents for every square mile of land. The federal metro definitions (OMB, July 2023) place it in the Baltimore-Columbia-Towson, MD metropolitan area. Stevensville is the biggest of its 13 Census places, at roughly 8,802 people (17% of the county total).
Work, industries and travel time in Queen Anne's County
The biggest employer of Queen Anne's County residents, by industry, is education and health care at 21% of workers, followed by professional and administrative services (13%). Construction stands out: 10% of workers here, versus 7% statewide. The survey's unemployment rate for Queen Anne's County averages 3.8% over 2020 to 2024 (state: 4.9%). Long commutes are common here: 31% of workers spend 45 minutes or longer getting to work. Households without a car make up 3.2% of the total (8.8% statewide).
| Industry | Share of Queen Anne's County workers | vs Maryland |
|---|---|---|
| Education and health care | 21.4% | -2.5 pts |
| Professional and administrative services | 13.1% | -3.4 pts |
| Retail trade | 10.2% | +1.3 pts |
| Construction | 10.1% | +2.8 pts |
| Arts, lodging and food service | 9.0% | +1.5 pts |
| Public administration | 8.7% | -2.4 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
What Queen Anne's County households earn
Half of Queen Anne's County households take in less than $112,826 a year and half take in more, 9% above the Maryland median of $103,678. That places it 9th among Maryland's 24 county-level areas.
| Household income | Queen Anne's County | vs Maryland |
|---|---|---|
| Under $35,000 | 14.7% | -1.4 pts |
| $35,000 to $99,999 | 29.2% | -3.1 pts |
| $100,000 to $199,999 | 33.9% | +2.5 pts |
| $200,000 or more | 22.2% | +1.9 pts |
About 15% of households earn under $35,000, while 56% clear $100,000. 6.4% of residents fall below the federal poverty line (statewide: 9.4%). Income inequality, measured by the Gini index, comes to 0.427 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Renting and owning in Queen Anne's County
A typical Queen Anne's County rental runs $1,619 a month including utilities, which is 5% below Maryland. Rent takes 30% or more of income for 54% of renter households here. With a median value of $462,700, a typical Queen Anne's County house costs 4.1 times what the median household earns in a year. The ownership rate is 83%. Half the housing stock was built before 1990.
| Housing | Queen Anne's County | Maryland statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,619/mo | $1,705/mo | $877/mo |
| Median home value | $462,700 | $419,900 | $185,300 |
| Owners | 83% | 68% | 75% |
| Rent-burdened renters | 54% | 51% | 45% |
| Burdened owners | 31% | 27% | n/a |
| Mobile homes | 3.0% | 1.3% | n/a |
| Vacant units | 10% | 8% | n/a |
In an owner-heavy county like Queen Anne's 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. Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Places inside Queen Anne's County
The table lists the 13 largest of 13 Census places in Queen Anne's County, by population. Together all 13 hold about 29,205 people, so roughly 44% of residents live outside any named place. Among places of 500 or more people, median income runs from $72,425 in Church Hill to $139,259 in Kent Narrows. No Queen Anne's County place has a separate guide yet; this county page serves all 13.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Stevensville | CDP | 8,802 | $115,357 | $1,771 | 13 mi |
| Chester | CDP | 4,797 | $102,399 | $1,878 | 12 mi |
| Centreville | town | 4,761 | $89,602 | $1,262 | 1 mi |
| Grasonville | CDP | 3,564 | $120,676 | $1,622 | 8 mi |
| Romancoke | CDP | 2,064 | $127,670 | $2,656 | 18 mi |
| Kingstown | CDP | 1,713 | $93,625 | $1,536 | 12 mi |
| Church Hill | town | 1,060 | $72,425 | $1,129 | 9 mi |
| Queenstown | town | 907 | $122,031 | $1,929 | 6 mi |
| Kent Narrows | CDP | 507 | $139,259 | n/a | 10 mi |
| Sudlersville | town | 347 | $44,375 | $594 | 16 mi |
| Crumpton | CDP | 248 | $115,417 | n/a | 16 mi |
| Barclay | town | 225 | $66,875 | $1,650 | 14 mi |
| Queen Anne | town | 210 | $78,750 | $879 | 11 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Regional comparison for Queen Anne's County
Six nearby counties, 14 to 33 miles away by the straight-line distance between their centers. 1 of the six report a higher median household income than Queen Anne's County; Anne Arundel County is highest at $124,911 and Baltimore city lowest at $62,177. Some neighbors are in Delaware. Lender licensing is state by state, so a loan for a Queen Anne's County resident follows Maryland rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Queen Anne's County | - | $112,826 | $1,619/mo | 83% |
| Kent County, MD | 14 mi | $80,147 | $1,209/mo | 73% |
| Caroline County, MD | 18 mi | $68,457 | $1,105/mo | 72% |
| Talbot County, MD | 21 mi | $84,811 | $1,256/mo | 75% |
| Anne Arundel County, MD | 26 mi | $124,911 | $2,071/mo | 75% |
| Kent County, DE | 31 mi | $74,477 | $1,354/mo | 73% |
| Baltimore city, MD | 33 mi | $62,177 | $1,331/mo | 48% |
Room for a loan payment in Queen Anne's County
How much room does a median Queen Anne's County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $9,402 before taxes
- Less median rent of $1,619, which is 17% of it
- Under a 35% cap, $3,291 total minus rent leaves $1,672
- 45% debt-to-income limit: $2,612 left for all other debt payments
If your rent is above $1,619, the room shrinks dollar for dollar.
Borrowing situations common in Queen Anne's County
A few patterns in the Queen Anne's County data, and the practical point behind each:
- Long drives. With 31% of commutes over 45 minutes, tires and repairs are fixed costs in many Queen Anne's County budgets.
- Strong incomes, long terms. 56% of Queen Anne's County households earn $100,000+. The risk is a term that outlasts the need.
- Renters under pressure. When 54% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
More Queen Anne's County figures
Degree holders: 38% of adults over 25. About 6% go without health insurance.
| Residents | Queen Anne's County | Maryland | Middle U.S. county |
|---|---|---|---|
| Median age | 44.7 | 39.4 | 41.5 |
| Bachelor's or higher | 38.0% | 43.4% | 22.2% |
| No high school diploma | 6.5% | 8.9% | n/a |
| No health insurance | 5.7% | 6.3% | 7.8% |
| No vehicle | 3.2% | 8.8% | 5.4% |
| Work from home | 15.0% | 19.3% | 8.7% |
| Poverty rate | 6.4% | 9.4% | 13.2% |
| Unemployment (ACS) | 3.8% | 4.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 24.1% |
| 15 to 29 min | 25.8% |
| 30 to 44 min | 19.1% |
| 45 to 59 min | 13.2% |
| 60+ min | 17.7% |
Who licenses lenders for Queen Anne's County residents
Queen Anne's County borrowers fall under statewide rules, enforced by the Maryland Office of Financial Regulation. Problems with a lender can also go to the CFPB. More on Maryland: Maryland personal loans.
Four steps for Queen Anne's County borrowers
A short checklist for Queen Anne's County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Ask each lender for the APR and all fees in writing.
- Verify the Maryland license before giving out your Social Security number.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Queen Anne's County
The Maryland guide covers the whole state.
Frequently asked questions
What does a typical Queen Anne's County household make?
About $112,826 a year at the median (ACS 2020-24), 9% above the Maryland median.
How much is rent in Queen Anne's County?
Median gross rent, utilities included, is $1,619 a month; 54% of renters spend 30% or more of income on it.
Should Queen Anne's County homeowners use home equity instead?
Maybe, but weigh the risk: 83% of Queen Anne's County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Queen Anne's County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Stevensville, Chester, Centreville, Grasonville, Romancoke and 8 more.
Can Queen Anne's 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.