Annapolis, MD — Momentum Score, Home Values & Best-For

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Anne Arundel County · Baltimore-Columbia-Towson · population 40,689

Annapolis, MD
Image: Wikipedia · Annapolis, Maryland
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61
Stable
Momentum score · 0–100

Where Annapolis stands

At or near all-time high.

Median home $622,535
1-year +1.6%
5-yr CAGR +4.2%
vs 5-yr peak +0.0%
Population -0.1%/yr

Home value trajectory · last 10 years

Zillow ZHVI · monthly
peak 2026-04$623k$380k$469k$558k$647k201620182020202220242026

Lifestyle scores

🚶
Walkability
32/100
Very car-dependent
Estimated from population density. Higher = denser, more amenities within walking distance.
🚉
Public transit
22/100
Transit limited
Curated list of major US transit systems + population-based estimate. Higher = real subway/rail/bus options.
💻
Remote work fit
67/100
Strong remote-work fit
Composite of city size, housing cost, state tax structure, and region's remote-work track record.

Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.

Rent trajectory · last 5 years

Zillow ZORI · monthly
$2,275/mo$1,682$2,047$2,411202220242026

Home value vs rent · indexed to 100

Both rebased at first month of ZORI data (~2015)
Home valueRent123127100120202220242026

Rent vs buy

Price-to-rent ratio: 22.8
Lean rent

At a 22.8 price-to-rent ratio, the math is starting to lean toward renting in Annapolis. Owner-occupier ROI requires longer holds and the assumption that prices keep appreciating roughly at the rate of rent.

How the momentum score breaks down

methodology →
Home YoY
58 · w22%
Home 5-yr CAGR
60 · w22%
Distance from peak
90 · w18%
Population growth
44 · w16%
Rent YoY
52 · w12%
Home 10-yr CAGR
56 · w10%
Long thesis

Annapolis has held up across the cycle: home values at $622,535 with +4.2% 5-year CAGR. The bull case is structural — population, location, employer base — and holds even if next year's print is soft.

Short thesis

Annapolis's bear case is the boring one: the cycle is real and any market that's run hard can stall. Watch for slowing population growth, rising days-on-market, or builder discounts as the early warning signals.

About Annapolis

Annapolis is a city in Anne Arundel County, Maryland, with an estimated population of 40,689. It anchors the Baltimore-Columbia-Towson metro area. The median home value in Annapolis is $622,535 as of 2026-04, up 1.6% over the last 12 months. Over the last five years, home values have averaged +4.2% annual growth, with prices at or near the 5-year peak. Rents in Annapolis average $2,275 per month, roughly flat year-over-year (+1.1%). The composite momentum score is 61 of 100 (Stable). Conditions are neither hot nor cold, so the local fit matters more than market timing.

Bull case

Held the highs: currently +0.0% from the 5-year peak — this market refused to give back gains.
The data is the data: Annapolis has at least 5 years of Zillow tracking, full Census identification, and is included in the 2-criteria momentum score on this page.

Bear case

Local nuance: city-level data smooths over neighborhood differences. School zones, HOA rules, and street-level character matter — visit before deciding.

About Annapolis (Wikipedia)

Annapolis is the capital of the U.S. state of Maryland. It is the county seat of Anne Arundel County and its only incorporated city. Situated on the Chesapeake Bay at the mouth of the Severn River, 25 miles (40 km) south of Baltimore and about 30 miles (50 km) east of Washington, D.C., Annapolis forms part of the Baltimore–Washington metropolitan area. The 2020 census recorded its population as 40,812, an increase of 6.3% since 2010.

Source: Wikipedia · this summary is contributed and licensed under CC-BY-SA.

Playbook

Buyer

Lifestyle fit matters more than market timing in a Stable market. Take your time on the home and neighborhood; the macro trend isn't urgent. Negotiate normally.

Seller

Price competitively from day one or risk a 60+ day listing. Staging, photography, and presentation matter more in Stable markets than in Hot ones.

Investor

Stable cap rates, no big appreciation story to lean on. Underwrite this as a pure cash-flow play — the math has to work on rent alone.

Local safety & alerts

No active National Weather Service alerts for Anne Arundel County right now.

Public-safety links are official .gov sources, not curated by us. Anne Arundel County routes NWS alerts; check the state EM portal for non-weather emergencies.

Cities like Annapolis

Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.

Climate & natural-disaster risk

Winter (Jan)
42° / 25°
avg high / low
Summer (Jul)
87° / 68°
avg high / low
Sunny days/yr
203
~56% of year
Annual precip
44″ rain
18″ snow
Disaster risk (1=very low, 5=very high)
Hurricane
Moderate
Tornado
Low
Wildfire
Very low
Earthquake
Very low
Flood
Moderate

State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.

Local sports teams

Major professional teams the Baltimore-Columbia-Towson area cheers for. Detailed stats, schedules, and player pages on intherafters.com.

Current weather

Loading current conditions…

7-day forecast on weather.gov →

Find rentals & listings

Open current Annapolis listings on the major real-estate sites.

Links open the live search on the destination site — results are always current.

Local news & community

Updated 2026-05-21 from Google News + Reddit RSS. Headlines link to original sources.

Local economy & environment

Humidity
68%
Moderate climate
Median household income
$98,500
Maryland state median
Top industries (state-level)
Government/DefenseBiotechHealthcare

Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.

Cities similar to Annapolis

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