21403 ZIP Code — Annapolis, MD

Anne Arundel County, Maryland

ZIP code 21403 is located in Annapolis, Maryland, within Anne Arundel County. It covers approximately 9.28 square miles and serves a population of 32,207 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 443/410/667.

About ZIP code 21403

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $534,900. Owner-occupancy sits near the national average at 70%.

The gap between median ($108,759) and mean household income suggests income inequality — a small number of higher earners pull the average up. 33% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 32 minutes is near the national average.

Educational attainment is high — 58% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 21403 reflects a community defined by a highly educated population and a significant Social Security-dependent population.

32,207

population

9.28

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21403 ZIP code map

Cities in ZIP code 21403

Below are the cities the US Postal Service accepts for ZIP code 21403. Using any city not on this list may result in mail delivery delays.

City	Status
Annapolis	Acceptable
Annapolis	Preferred

Nearby ZIP codes

21412 Annapolis (2.6 mi) 21411 Annapolis (2.6 mi) 21037 Edgewater (3.1 mi) 21402 Annapolis (3.2 mi) 21401 Annapolis (4.7 mi) 21140 Riva (5.2 mi) 21409 Annapolis (5.8 mi) 21405 Annapolis (6.6 mi) 21012 Arnold (7 mi) 20764 Shady Side (7.6 mi) 20776 Harwood (8 mi) 21035 Davidsonville (8.1 mi)

Demographics updated 05/2026

Population
Total population	32,207
Population density	3,471 / sq mi
State FIPS	24
County FIPS	003

Geography
Land area	9.28 sq mi
Water area	4.75 sq mi
Latitude	38.9415
Longitude	-76.4915
Timezone	Eastern (ET)
Area code	443/410/667

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	20.1%	28.2%
$50k – $100k	28.6%	27.4%	28.2%
$100k – $200k	28.4%	36.3%	30.1%
Over $200k	18.0%	16.2%	13.4%

Demographics & statistics

32,207

Population

3,471

People per sq mi

44.5

Median age

$108,759

Median household income

$70,847

Per capita income

$534,900

Median home value

$1,820

Median monthly rent

70.2%

Home ownership

8.6%

Poverty rate

3.8%

Unemployment

10,768

Housing units

57.7%

Bachelor's or higher

Age distribution

Male Female

955

Under 5

1,076

792

5–9

892

10–14

1,004

583

15–19

656

846

20–24

953

1,633

25–34

1,840

2,004

35–44

2,257

1,757

45–54

1,979

1,288

55–59

1,450

1,038

60–64

1,168

1,880

65–74

2,118

1,071

75–84

1,206

409

85+

460

← Male

Female →

Age summary

Group	Count	%
Under 18	6,562	20.4%
18 and over	25,645	79.6%
65 and over	7,144	22.2%
Median age	44.5 years

Race & ethnicity

White 59%

Black or African American 14.1%

Hispanic or Latino 11.3%

Other race 9.5%

Two or more races 4.9%

Asian 1%

American Indian / Alaska Native 0.1%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	21,419	59%
Black or African American	5,124	14.1%
Hispanic or Latino	4,095	11.3%
Other race	3,445	9.5%
Two or more races	1,780	4.9%
Asian	363	1%
American Indian / Alaska Native	43	0.1%
Native Hawaiian / Pacific Islander	33	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	20.1%	28.2%
$50k – $100k	28.6%	27.4%	28.2%
$100k – $200k	28.4%	36.3%	30.1%
Over $200k	18.0%	16.2%	13.4%

Under $10k 3.7%

$10k–$15k 0.8%

$15k–$25k 5.1%

$25k–$35k 4.3%

$35k–$50k 7.3%

$50k–$75k 11.1%

$75k–$100k 13.2%

$100k–$150k 15.9%

$150k–$200k 14.7%

$200k+ 24.0%

Range	% of households
Under $10k	3.7%
$10k–$15k	0.8%
$15k–$25k	5.1%
$25k–$35k	4.3%
$35k–$50k	7.3%
$50k–$75k	11.1%
$75k–$100k	13.2%
$100k–$150k	15.9%
$150k–$200k	14.7%
$200k+	24.0%
Median income	$108,759

Housing

Home values

Under $50k 1.4%

$50k–$100k 0.2%

$100k–$150k 0.3%

$150k–$200k 2.4%

$200k–$300k 12.8%

$300k–$500k 29.6%

$500k–$1M 37.1%

$1M+ 16.2%

Housing overview

Metric	Value
Median home value	$534,900
Median rent / month	$1,820
Owner occupied	70.2%
Renter occupied	29.8%
Vacant	5.9%
Single-family detached	52.5%
Large apartment buildings	7.7%
Mobile homes	0.0%
Median rooms	6.2
Avg household size (owned)	2.31

Year built

Era	%
2020 or later	0.2%
2010–2019	2.6%
2000–2009	7.4%
1990–1999	13.1%
1980–1989	21.8%
1970–1979	21.1%
1960–1969	16.9%
1950–1959	8.4%
1940–1949	2.7%
1939 or earlier	6.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	10.2%
2 bedrooms	27.7%
3 bedrooms	37.4%
4 bedrooms	20.0%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	40.9%
2 vehicles	37.8%
3 or more	16.6%

Heating fuel

Fuel type	%
Utility gas	34.7%
Electricity	52.8%
Propane / LP gas	2.7%
Fuel oil	8.5%
Wood	0.5%
Solar	0.1%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	6,288	44.6%
Cohabiting couple	970	6.9%
Male householder, no spouse	2,522	17.9%
Female householder, no spouse	4,312	30.6%
Households with children under 18	3,469	24.6%
Households with seniors (65+)	5,173	36.7%
Average household size	2.26

Marital status

Status	Male	Female
Never married	30.6%	25.5%
Married	52.7%	46.6%
Separated	2.1%	1.8%
Widowed	2.0%	8.9%
Divorced	12.6%	17.2%

Education

Less than 9th grade 3.3%

Some HS, no diploma 3.7%

HS graduate 12.5%

Some college, no degree 17.0%

Associate's degree 5.9%

Bachelor's degree 30.4%

Graduate / professional 27.2%

Metric	%
HS diploma or higher	93.0%
Bachelor's or higher	57.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1,087	16.7%
Kindergarten	301	4.6%
Elementary school	2,935	45.2%
High school	1,058	16.3%
College / grad school	1,115	17.2%

Employment

Industry of employment

Education & healthcare 19.7%

Professional & management 17.0%

Public administration 9.4%

Arts, food & hospitality 9.3%

Finance & real estate 9.2%

Construction 8.0%

Retail trade 7.3%

Other services 7.0%

Transportation & utilities 4.7%

Manufacturing 4.5%

Wholesale trade 1.7%

Information 1.6%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	55.8%
Service	12.7%
Sales & office	19.3%
Natural resources & construction	6.8%
Production & transportation	5.5%

Employment type

Type	%
Private sector	70.3%
Government	20.3%
Self-employed	9.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.5%
Carpool	7.7%
Public transit	6.0%
Walk	2.1%
Work from home	18.2%
Other means	1.6%
Avg commute (minutes)	32.4

Poverty

All people 8.6%

Under 18 years 17.3%

18 and over 6.4%

Married-couple families 4.3%

Female-led households 23.2%

Income support

Source	% of households
Social Security	32.9%
Retirement income	31.6%
Supplemental Security	1.0%
Cash public assistance	0.7%
Food stamps / SNAP	5.8%

Health indicators

Condition	%
Obesity	32.3%
High blood pressure	33.5%
High cholesterol	33.1%
Diabetes	9.3%
Heart disease	5.6%
Stroke	2.6%
Asthma	9.0%
Arthritis	23.9%
Kidney disease	2.7%
Pulmonary disease	5.1%
Cancer	6.8%

Behavior / access	%
Smoking	11.7%
Binge drinking	15.4%
No physical activity	19.6%
Less than 7 hrs sleep	32.2%
Depression	18.3%
Fair or poor health	11.1%
Poor mental health	12.8%
Poor physical health	8.4%
No health insurance	10.5%
Visited doctor (checkup)	76.6%
Visited dentist	70.1%
Cholesterol screening	92.8%
Teeth loss	8.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,393	9.4%

Disability	%
Any disability	10.6%
Under 18	5.9%
18–64 years	7.6%
65 and over	23.3%

Health insurance coverage

Type	%
Private insurance	78.7%
Public insurance	33.1%
No insurance	5.8%
Uninsured under 19	3.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	30,176	93.7%
Spanish	1,218	4.0%
Other Indo-European	860	2.8%
Asian & Pacific Islander	275	0.9%
Other languages	83	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	29,775	92.4%
Born in same state	29,150	90.5%
Born in different state	15,016	46.6%
Foreign born	625	1.9%
Naturalized citizen	2,432	7.6%
Not a US citizen	1,385	56.9%

Ancestry

Ancestry	Count	%
Italian	4,899	15.2%
French	4,606	14.3%
Arab	999	3.1%
English	293	0.9%
Polish	268	0.8%

Ancestry	Count	%
Dutch	213	0.7%
Norwegian	189	0.6%
German	104	0.3%
Irish	56	0.2%

Technology access

Metric	% of households
Computer access	43.8%
Internet access	97.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 21403

What city is ZIP code 21403 in?

ZIP code 21403 is primarily assigned to Annapolis, Maryland.

What county is ZIP code 21403 in?

ZIP code 21403 falls within Anne Arundel County, Maryland.

How educated is the population of ZIP code 21403?

58% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 21403?

The median home value in ZIP code 21403 is $534,900.

Does ZIP code 21403 have a large veteran population?

9% of civilians in ZIP code 21403 are veterans, above the national average of ~7%.

What is the median household income in ZIP code 21403?

The median household income in ZIP code 21403 is $108,759, above the national median of ~$75,000.

What timezone is ZIP code 21403 in?

ZIP code 21403 observes the EST timezone.