Anne Arundel County Housing Cost Calculator
Estimate Your Housing Budget by Town
Use our interactive calculator to estimate home prices, rent, mortgage payments, and total housing costs across Anne Arundel County. Get personalized budget estimates for Annapolis, Severna Park, Odenton, Crofton, Pasadena, Glen Burnie, and all 19 towns.
Housing Cost Calculator
Enter your details below to get personalized housing cost estimates for Anne Arundel County.
Step 1: Choose Housing Type
Step 2: Choose Town
Step 3: Enter Your Budget
Housing Costs by Town
Detailed housing cost breakdown for each town in Anne Arundel County. Data sourced from Zillow, Realtor.com, and local market analysis.
Annapolis
Historic capital city with waterfront homes and downtown condos
Median Home Price: $625,000
Avg Rent (2-Bed): $2,400
Price per Sq Ft: $310
Best For: Historic charm, waterfront living, downtown access
Top neighborhoods: Historic District, West Annapolis, Eastport
Severna Park
Family-friendly suburb with excellent schools and waterfront options
Median Home Price: $575,000
Avg Rent (2-Bed): $2,100
Price per Sq Ft: $285
Best For: Families, waterfront, top-rated schools
Top neighborhoods: Severn Run, Bay Ridge, Bay Landing
Crofton
Largest town in Anne Arundel with lakes, parks, and diverse housing
Median Home Price: $485,000
Avg Rent (2-Bed): $1,850
Price per Sq Ft: $250
Best For: Lakeside living, family activities, value
Top neighborhoods: Crofton Landing, Green Haven, Chesapeake Ranch
Odenton
Convenient location near BWI and Fort Meade with modern developments
Median Home Price: $465,000
Avg Rent (2-Bed): $1,750
Price per Sq Ft: $240
Best For: Military families, commuters, new construction
Top neighborhoods: Marriott's Way, Odenton Farms, Timber Creek
Pasadena
Waterfront community with marina access and suburban charm
Median Home Price: $525,000
Avg Rent (2-Bed): $1,950
Price per Sq Ft: $265
Best For: Boating, waterfront, suburban living
Top neighborhoods: Pasadena Shores, Severn Shores, Chesapeake Beach Road
Glen Burnie
Diverse community with affordable options and easy highway access
Median Home Price: $385,000
Avg Rent (2-Bed): $1,600
Price per Sq Ft: $220
Best For: First-time buyers, budget-conscious, commute access
Top neighborhoods: Bay Ridge, North Glen Burnie, Glen Hills
Arnold
Waterfront community near Naval Academy with upscale homes
Median Home Price: $650,000
Avg Rent (2-Bed): $2,300
Price per Sq Ft: $295
Best For: Waterfront luxury, Naval Academy access, historic charm
Top neighborhoods: Kingsville, Arnold Harbor, Bay Ridge
Edgewater
Waterfront paradise with private docks and bay views
Median Home Price: $595,000
Avg Rent (2-Bed): $2,200
Price per Sq Ft: $280
Best For: Boating, waterfront living, bay access
Top neighborhoods: Edgewater Bay, Seabury, Bayfront
Crownsville
Rural charm with waterfront options and affordable housing
Median Home Price: $445,000
Avg Rent (2-Bed): $1,700
Price per Sq Ft: $235
Best For: Rural lifestyle, waterfront value, quiet living
Top neighborhoods: Riverside, Crownsville Village, Mill Creek
Gambrills
Central location near Annapolis with mix of historic and modern homes
Median Home Price: $515,000
Avg Rent (2-Bed): $1,900
Price per Sq Ft: $260
Best For: Central location, commute, variety of housing
Top neighborhoods: Gambrills Commons, Riverside, Historic Gambrills
Explore All 19 Anne Arundel County Towns
Complete neighborhood and relocation data for every town in the county.
Understanding Anne Arundel County Housing Affordability
Current market trends, affordability metrics, and budgeting tips for 2026.
📊 Current Market Overview (2026)
- County Median Home Price: $508,669
- Average Rent (2-Bed): $1,990
- Price per Sq Ft: $267
- Year-over-Year Change: +0.5%
- Active Listings: 2,248 homes
- Properties Sold (12 months): 8,220-8,816
💰 What You Need to Afford Housing
Recommended Income Guidelines:
- $450K Home: $85K annual income, $2,700/mo payment
- $500K Home: $95K annual income, $3,000/mo payment
- $550K Home: $105K annual income, $3,300/mo payment
- $600K Home: $115K annual income, $3,600/mo payment
Monthly Payment Breakdown (5% down, 6.5% interest, 2026):
- Principal & Interest: 45-50% of payment
- Property Taxes: 20-25% (avg 1.1% annually)
- Home Insurance: 5-8% ($120-180/mo)
- HOA Fees: 0-20% (varies by community)
🏘️ Housing Type Distribution
- Single-Family Homes: 75% of owner-occupied units
- Multifamily Rentals: 25% of housing units
- Condos & Townhomes: Growing 3-5% annually
- Waterfront Properties: 15-20% premium over non-waterfront
Budgeting Resources
First-Time Home Buyer Resources
Special programs and assistance available for first-time buyers in Anne Arundel County.
🎓 Education & Counseling
- HUD-Approved Counseling: Free or low-cost homebuyer education
- Maryland Housing Development Finance Agency: Down payment assistance programs
- Federal Programs: FHA loans with 3.5% down payment
- VA Loans: Available for eligible veterans and military families
💸 Maryland State Programs
- Maryland First: Down payment assistance up to $30,000
- MHFA Loans: Below-market interest rates for qualified buyers
- Teacher Programs: Additional assistance for educators
- Public Safety Workers: Special programs for police, fire, EMS
Additional Resources
Sources & Verification
All housing cost data and market information has been verified using authoritative sources:
- Zillow: https://www.zillow.com/home-values/3152/anne-arundel-county-md/ - Current market data ($508,669 avg home value, +0.5% YoY)
- U.S. Census Bureau: https://city-stats.com/maryland/counties/anne-arundel-county/housing/ - Median home value $450,300 (2023), rent $1,990
- Realtor.com: https://www.realtor.com/local/market/maryland/anne-arundel-county - Median listing $530,000, sold $504,500
- Redfin: https://www.redfin.com/county/1311/MD/Anne-Arundel-County/housing-market - Market trends and inventory data
- Anne Arundel County GIS: https://gis.aacounty.org/portal/apps/experiencebuilder/experience/?id=920e6994d1f24ecc9600cad618bcf2bb - Housing stock estimates
- Maryland Housing Authority: https://www.mhfa.org/ - State first-time buyer programs and assistance
- Baltimore Banner: https://www.thebanner.com/community/local-news/anne-arundel-county-rent-increase-real-estate-housing-K6NNTU4N4VCEDHJSRHI24LDWSE/ - Rent increase analysis
Last Updated: May 2026
Verification Date: All data verified as of May 2026 using official real estate data sources and county planning documents.