Annapolis 21405

Anne Arundel County, MD · 366 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

15affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
51.5%
severe
Days on market
35
daily
Price cuts
0.0%
of active
Look up an address
38
/100
weak
hot · balanced · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

67/ 100SellerBalancedBuyer
Negotiate Hard
Needs 41.7% correction for affordability
Score Components
Payment Burden (25%)100
Valuation Gap (25%)25
Supply & Demand (20%)85
Days on Market (5%)40

Moderate buyer leverage in 21405. Room to negotiate 5-10% below list. Payment burden: 51.6% of median income. A 32% price correction needed to reach 30% affordability threshold. Median days on market: 35.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
HOTBALANCED

Market is running hot with fast-moving inventory. Conditions are balanced between buyers and sellers. Prices up 5.8% YoY.

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Market snapshoteach number, once

Median price
$1,551,905
▴ 5.8% YoY
Days on market
35
daily · zip_data
Median rent
$1,908
county avg
Investor score
42/100
cash-flow lens
Active listings
0
90-day

Valuation3 lenses, different anchors

vs assessor
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+43.7%
County-wide market — the widest, slowest signal.
Anne Arundel+43.7%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$705
Price-to-income8.5×

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How 21405 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

43SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply12.0 mo
Days on Market35d
Inv vs History-100.0%
Listing Density--
Market dynamics
Price cut %0.0%
Momentumhot
LeverageBALANCED
Months of supply12
Sales (90d)0
Investment analysis
Median rent$1,908
Price-to-rent67.8
Est. cap rate0.9%
Buy vs rentfavors renting

Livability

Walk score
Transit score
Bike score

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Anne Arundel County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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