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Living in
Annapolis.
About
Life in Annapolis
Living in Annapolis means navigating a real coastal climate challenge alongside genuine appeal. The city experiences hot, humid summers reaching into the mid-80s and cool winters, but the bigger story is flooding—it's become the coastal flooding capital of the country, with 120 recorded events in 2024 alone. The Naval Academy, surrounded by water on three sides, faces particular vulnerability, though a new $87 million City Dock Project broke ground in 2025 to manage rising water through 2060.
Annapolis at a Glance
Population, income, housing and more
Median Age
43.0 yrs
Poverty Rate
7.8%
Foreign-Born
10.3%
Broadband Internet
94.3%
of households
Population Growth
-0.4%
recent change · Census Bureau
Median household income
Demographics10.3% foreign-born, most often from El Salvador
Who lives in Annapolis: race and ethnicity, ages, households, languages and countries of origin
In Annapolis, the largest foreign-born group is from El Salvador (19.5%), and 9.3% of residents speak Spanish at home.
Under 18
20.3%
of residents
65 and Older
20.4%
of residents
Households with Kids
23.3%
anyone under 18
Living Alone
39.9%
of households
Married Couples
40.4%
of households
Avg Household Size
2.22
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 9% above MD average
Rent, home values, and income in Annapolis
In Annapolis, rent runs 9% above the MD average, and home values are 31% above the MD average.
Median rent (per month)
Median home value
Rent Burdened
46.3%
spending 30%+ of income on rent
Severely Rent Burdened
19.9%
spending 50%+
Cost of Living Index
104.5
metro area (BEA) · US avg = 100
Median Property Tax
$5,523
per year, owner-occupied homes
Homeowners
62.0%
of occupied homes are owned
Typical Home Built
1975
median year built
Vacant Homes
8.2%
of housing units
Home Value Trend
Latest: $622,074 (September 2026)
Jobs & Economyunemployment 0.6 pts below MD average
Unemployment in Annapolis
Unemployment in Annapolis is 0.6 percentage points lower than the MD average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Annapolis Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute29.5 min avg
How Annapolis residents get to work, and the nearest airports
In Annapolis, most residents drive alone to work (62%), and 56% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 17 mi
Baltimore/Washington International Thurgood Marshall Airport (BWI)
Major hub12.3M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 116% above national average
Crime rates for 2025
Violent crime in Annapolis runs 116% above the national average.
Violent Crime Rate
711
per 100,000 residents
Above average (329 national, 2025)
Property Crime Rate
1,431.8
per 100,000 residents
Below average (1,552 national, 2025)
Annapolis Police Department
Natural DisastersThunderstorm Wind most common — 32 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
81.9 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Anne Arundel County, county-wide · FEMA NRI December 2025
In Anne Arundel County, which includes Annapolis, the most common type is thunderstorm wind, with 32 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 32 | Thunderstorm Wind | $468,000 |
| 2024 | 26 | Coastal Flood | $514,000 |
| 2023 | 17 | Thunderstorm Wind | $1.1M |
| 2022 | 26 | Thunderstorm Wind | $549,000 |
| 2021 | 31 | Thunderstorm Wind | $276,000 |
| 2020 | 41 | Thunderstorm Wind | $1.5M |
| 2019 | 48 | Thunderstorm Wind | None reported |
| 2018 | 56 | Flood | $17,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
1 earthquake of magnitude 2.5+ within 100 miles in the past year
Anne Arundel County, county-wide
Air Quality40 median AQI — Good
Days by air quality category (2025)
Air quality in Anne Arundel County, which includes Annapolis, is typically good.
Median AQI
40
Anne Arundel County, county-wide
Climate84°F summers, 32°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Annapolis has warm summers (avg high 84°F) and cold winters (avg low 32°F).
Spring (Mar–May)
63°/48°F
avg high / low
Summer (Jun–Aug)
84°/70°F
avg high / low
Fall (Sep–Nov)
67°/53°F
avg high / low
Winter (Dec–Feb)
45°/32°F
avg high / low
Annual Precipitation
44.0"
Annual Snowfall
15.9"
Hot Days/Year
41
days above 90°F
Freeze Days/Year
81
days below 32°F
Rainy Days/Year
121
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 43°F | 30°F | 2.84" |
| Feb | 45°F | 32°F | 2.38" |
| Mar | 53°F | 38°F | 3.80" |
| Apr | 64°F | 47°F | 3.38" |
| May | 73°F | 57°F | 3.15" |
| Jun | 82°F | 68°F | 4.04" |
| Jul | 86°F | 72°F | 4.94" |
| Aug | 84°F | 71°F | 4.27" |
| Sep | 77°F | 65°F | 5.14" |
| Oct | 67°F | 52°F | 4.04" |
| Nov | 56°F | 42°F | 3.03" |
| Dec | 47°F | 34°F | 2.98" |
Healthcare
Hospitals, ratings, and health insurance in Annapolis
Uninsured
6.0%
of residents
No hospitals inside Annapolis's limits — nearest hospitals · within 15 miles
Luminis Health Anne Arundel Medical Center, Inc.
Acute Care Hospitals · ER available · 2.1 mi away · Annapolis
Luminis Health J Kent Mcnew Family Medical Center
Psychiatric · ER available · 2.9 mi away · Annapolis
University of MD Baltimore Washington Medical Center
Acute Care Hospitals · ER available · 13.2 mi away · Glen Burnie
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education9.3:1 student/teacher ratio
Schools and degree attainment in Annapolis
Annapolis's student/teacher ratio is 9.3:1 (lower than the national average of 16:1), and 53.8% of adults 25+ hold a bachelor's degree or higher.
Public Schools
12
within city limits
Private Schools
4
within city limits
College Degree Rate
53.8%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
9.3:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges & Universities in Annapolis
Private nonprofit · 4-year · 471 students · in-state tuition $42,317 · 70% graduate · median earnings $52,985 (10 yrs after entry)
Nearby Colleges (within 15 miles)
Anne Arundel Community College
5.5 mi awayPublic · 2-year · 8,997 students · in-state tuition $4,586 · 41% graduate · median earnings $51,114 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: Captain John Smith Chesapeake National Historic Trail, 1 mi
Nearby national parks, recreation areas and public libraries for Annapolis
Annapolis has 8 nearby national parks or recreation areas, closest being Captain John Smith Chesapeake National Historic Trail (1 mi away).
Nearby National Parks & Recreation Areas
Captain John Smith Chesapeake National Historic Trail
National Historic Trail
1 mi awayChesapeake Bay
National Park Site
1 mi awayBaltimore-Washington Parkway
Parkway
19 mi awayFort McHenry National Monument and Historic Shrine
National Monument and Historic Shrine
21 mi awayGreenbelt Park
Park
21 mi awayStar-Spangled Banner National Historic Trail
National Historic Trail
23 mi awayKenilworth Park & Aquatic Gardens
National Park Site
24 mi awayFort Dupont Park
National Park Site
25 mi awayPublic Libraries in Annapolis
Annapolis Regional Library
1410 West St., Annapolis
Cities Near Annapolis
The closest cities within 60 miles
Planning a move to Annapolis?
Read our full moving guide — what it's really like to live here.
Annapolis FAQ
Is Annapolis, Maryland affordable?⌄
Annapolis's median rent is $1,860/month, which is above the national average. The median household income is $113,860/year. Median home value is $548,900.
Is Annapolis, Maryland safe?⌄
Annapolis's violent crime rate was 711 per 100,000 residents in 2025, which is significantly above the national average of 329/100k that year. Property crime rate is 1432 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Annapolis, Maryland?⌄
Annapolis has an unemployment rate of 3.4%, which is solid, slightly below the national average of 4.3%.
What is the cost of living in Annapolis, Maryland?⌄
The cost of living in Annapolis is primarily driven by housing. Median rent is $1,860/month and median household income is $113,860/year. The median home value is $548,900. About 46% of renters spend more than 30% of their income on housing.
How is the commute in Annapolis, Maryland?⌄
The average commute in Annapolis is 30 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from