What it's like to live in Annapolis
Annapolis is a small city in Maryland with unemployment below the national average, household incomes running above the national average, a highly educated workforce, and schools with smaller class sizes than the national average. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Annapolis deals with rent well above the national average, home prices well above the national average, crime rates above the national average, and commute times longer than most cities.
The good
- Low unemployment
- Higher-than-average incomes
- Highly educated workforce
- Low student-teacher ratio
The not so good
- Rent well above the national average
- High home prices
- Crime above national average
- Above-average commute times
How Annapolis compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Annapolis
Based on Annapolis's median rent, home value and household income
To rent
$3,720
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $74,400 a year
- 46% of Annapolis renters spend 30% or more of their income on rent
To buy
$109,780
a 20% down payment on the median home
- With 10% down: $54,890
- Homes cost 4.8× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 32% above US
$1,860/mo median rent
Rent runs on the higher side, at $1,860 a month median. Whether that premium makes sense usually comes down to the local job market and what it pays. Home prices are steep, with a median around $548,900. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $548,900 · 46% of renters cost-burdened
Job market▼ 21% below US
3.4% unemployment
Unemployment here is 3.4%, a little below the national average of 4.3%.
City-level (BLS)
Safety▲ 116% above US
711 violent crimes per 100k
Crime is a real factor here, with violent rates significantly above the national average. That doesn't make the whole city a write-off, but it does mean specific neighborhoods deserve real research before signing a lease.
Property crime 1432/100k · Annapolis Police Department · 2025 data
Getting around▲ 13% above US
30 min average commute
Commutes run about average, at 29.5 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 7 in 10 workers drive to work; 21% work from home.
How workers get to work
Climate
Summers are warm, with highs around 84°F, and winters are cold, with lows around 32°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Education & workforce▲ 49% above US
54% bachelor's degree or higher
This is a highly educated city, with over half the adult population holding a college degree. That tends to shape the job market and the broader culture, and it's a solid indicator of a strong professional scene.
Schools
12 public schools inside the boundary
There are 12 public schools inside the boundary and 4 private schools. The student-to-teacher ratio is 9:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Captain John Smith Chesapeake National Historic Trail (1 miles away). There are 8 national parks and sites within a day's drive.
Bottom line
Annapolis's strongest points are unemployment below the national average and household incomes running above the national average; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($1,860/mo) equals 20% of the median household income here, about the same as the 21% typical nationwide. It tends to suit job seekers, remote workers (21% of workers here already work from home), and college-educated professionals. It may be a harder fit for renters on a tight budget.
Other places near Annapolis
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