21409 ZIP Code — Annapolis, MD

Anne Arundel County, Maryland

ZIP code 21409 is located in Annapolis, Maryland, within Anne Arundel County. It covers approximately 14.00 square miles and serves a population of 20,619 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 443.

About ZIP code 21409

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $487,000. Owner-occupancy is high at 89%, well above the national average.

The gap between median ($140,236) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 2% is below the national average. 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 30 minutes is near the national average. Remote work is prevalent — 20% of workers work from home.

Educational attainment is high — 56% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 21409 reflects a community defined by a highly educated population, a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

20,619

population

14.00

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

21409 ZIP code map

Cities in ZIP code 21409

Below are the cities the US Postal Service accepts for ZIP code 21409. Using any city not on this list may result in mail delivery delays.

City	Status
Annapolis	Preferred

Nearby ZIP codes

21402 Annapolis (2.6 mi) 21012 Arnold (2.7 mi) 21412 Annapolis (3.5 mi) 21411 Annapolis (3.5 mi) 21405 Annapolis (5.2 mi) 21401 Annapolis (5.3 mi) 21403 Annapolis (5.8 mi) 21146 Severna Park (7 mi) 21122 Pasadena (7.9 mi) 21032 Crownsville (8.2 mi) 21037 Edgewater (8.3 mi) 21140 Riva (8.6 mi)

Demographics updated 05/2026

Population
Total population	20,619
Population density	1,473 / sq mi
State FIPS	24
County FIPS	003

Geography
Land area	14.00 sq mi
Water area	4.47 sq mi
Latitude	39.0199
Longitude	-76.4545
Timezone	Eastern (ET)
Area code	443

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.1%	20.1%	28.2%
$50k – $100k	25.0%	27.4%	28.2%
$100k – $200k	37.4%	36.3%	30.1%
Over $200k	24.5%	16.2%	13.4%

Demographics & statistics

20,619

Population

1,473

People per sq mi

43.8

Median age

$140,236

Median household income

$68,877

Per capita income

$487,000

Median home value

$2,029

Median monthly rent

88.5%

Home ownership

2.2%

Poverty rate

3.4%

Unemployment

6,924

Housing units

56.1%

Bachelor's or higher

Age distribution

Male Female

556

Under 5

559

595

5–9

598

797

10–14

800

777

15–19

780

372

20–24

373

900

25–34

903

1,333

35–44

1,338

1,600

45–54

1,606

857

55–59

860

571

60–64

574

1,196

65–74

1,200

493

75–84

495

243

85+

243

← Male

Female →

Age summary

Group	Count	%
Under 18	5,010	24.3%
18 and over	15,609	75.7%
65 and over	3,870	18.8%
Median age	43.8 years

Race & ethnicity

White 80.1%

Two or more races 7.2%

Black or African American 4.3%

Hispanic or Latino 3.8%

Asian 2.4%

Other race 2.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	17,164	80.1%
Two or more races	1,542	7.2%
Black or African American	911	4.3%
Hispanic or Latino	811	3.8%
Asian	511	2.4%
Other race	466	2.2%
American Indian / Alaska Native	25	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.1%	20.1%	28.2%
$50k – $100k	25.0%	27.4%	28.2%
$100k – $200k	37.4%	36.3%	30.1%
Over $200k	24.5%	16.2%	13.4%

Under $10k 0.8%

$10k–$15k 1.3%

$15k–$25k 3.2%

$25k–$35k 1.3%

$35k–$50k 4.1%

$50k–$75k 9.2%

$75k–$100k 13.8%

$100k–$150k 20.0%

$150k–$200k 17.9%

$200k+ 28.4%

Range	% of households
Under $10k	0.8%
$10k–$15k	1.3%
$15k–$25k	3.2%
$25k–$35k	1.3%
$35k–$50k	4.1%
$50k–$75k	9.2%
$75k–$100k	13.8%
$100k–$150k	20.0%
$150k–$200k	17.9%
$200k+	28.4%
Median income	$140,236

Housing

Home values

Under $50k 0.4%

$50k–$100k 0.7%

$100k–$150k 0.2%

$150k–$200k 0.3%

$200k–$300k 8.3%

$300k–$500k 43.7%

$500k–$1M 34.1%

$1M+ 12.3%

Housing overview

Metric	Value
Median home value	$487,000
Median rent / month	$2,029
Owner occupied	88.5%
Renter occupied	11.5%
Vacant	2.9%
Single-family detached	72.5%
Large apartment buildings	3.2%
Mobile homes	0.0%
Median rooms	7.5
Avg household size (owned)	2.77

Year built

Era	%
2020 or later	0.0%
2010–2019	3.7%
2000–2009	12.5%
1990–1999	11.0%
1980–1989	27.4%
1970–1979	20.2%
1960–1969	12.2%
1950–1959	7.0%
1940–1949	2.8%
1939 or earlier	3.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.7%
1 bedroom	1.7%
2 bedrooms	6.5%
3 bedrooms	46.1%
4 bedrooms	33.8%
5+ bedrooms	10.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	19.6%
2 vehicles	46.2%
3 or more	32.3%

Heating fuel

Fuel type	%
Utility gas	17.0%
Electricity	60.5%
Propane / LP gas	2.8%
Fuel oil	17.4%
Wood	1.4%
Solar	0.4%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	4,837	63.9%
Cohabiting couple	307	4.1%
Male householder, no spouse	991	13.1%
Female householder, no spouse	1,435	19.0%
Households with children under 18	2,905	38.4%
Households with seniors (65+)	2,720	35.9%
Average household size	2.72

Marital status

Status	Male	Female
Never married	25.0%	21.2%
Married	64.6%	57.9%
Separated	0.3%	0.6%
Widowed	2.5%	7.5%
Divorced	7.6%	12.8%

Education

Less than 9th grade 0.8%

Some HS, no diploma 1.2%

HS graduate 15.8%

Some college, no degree 19.2%

Associate's degree 6.9%

Bachelor's degree 28.7%

Graduate / professional 27.4%

Metric	%
HS diploma or higher	98.0%
Bachelor's or higher	56.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	389	7.0%
Kindergarten	254	4.6%
Elementary school	2,250	40.7%
High school	1,489	26.9%
College / grad school	1,148	20.8%

Employment

Industry of employment

Education & healthcare 21.2%

Professional & management 19.5%

Public administration 12.9%

Arts, food & hospitality 8.6%

Retail trade 8.5%

Construction 7.2%

Other services 5.0%

Transportation & utilities 4.7%

Finance & real estate 4.7%

Manufacturing 3.5%

Wholesale trade 2.2%

Information 1.6%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	54.1%
Service	15.0%
Sales & office	20.0%
Natural resources & construction	5.8%
Production & transportation	5.1%

Employment type

Type	%
Private sector	68.2%
Government	24.7%
Self-employed	6.8%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	73.5%
Carpool	3.8%
Public transit	0.5%
Walk	0.6%
Work from home	20.3%
Other means	1.3%
Avg commute (minutes)	30.2

Poverty

All people 2.2%

Under 18 years 2.3%

18 and over 2.1%

Married-couple families 0.7%

Female-led households 6.6%

Income support

Source	% of households
Social Security	32.9%
Retirement income	31.0%
Supplemental Security	2.9%
Cash public assistance	1.0%
Food stamps / SNAP	3.4%

Health indicators

Condition	%
Obesity	30.0%
High blood pressure	30.9%
High cholesterol	32.9%
Diabetes	7.7%
Heart disease	4.9%
Stroke	2.1%
Asthma	8.5%
Arthritis	22.6%
Kidney disease	2.2%
Pulmonary disease	4.2%
Cancer	6.8%

Behavior / access	%
Smoking	10.2%
Binge drinking	16.8%
No physical activity	15.5%
Less than 7 hrs sleep	30.8%
Depression	18.3%
Fair or poor health	8.0%
Poor mental health	12.0%
Poor physical health	7.0%
No health insurance	6.8%
Visited doctor (checkup)	76.2%
Visited dentist	76.4%
Cholesterol screening	94.2%
Teeth loss	5.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,186	14.2%

Disability	%
Any disability	9.8%
Under 18	2.4%
18–64 years	8.5%
65 and over	23.2%

Health insurance coverage

Type	%
Private insurance	85.5%
Public insurance	29.2%
No insurance	2.6%
Uninsured under 19	1.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,504	94.6%
Spanish	377	1.9%
Other Indo-European	226	1.2%
Asian & Pacific Islander	36	0.2%
Other languages	102	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	19,198	93.1%
Born in same state	18,770	91.0%
Born in different state	8,961	43.5%
Foreign born	428	2.1%
Naturalized citizen	1,421	6.9%
Not a US citizen	833	58.6%

Ancestry

Ancestry	Count	%
Italian	3,342	16.2%
French	3,087	15%
Arab	838	4.1%
Polish	209	1%
Dutch	174	0.8%

Ancestry	Count	%
English	168	0.8%
German	140	0.7%
Irish	128	0.6%
Norwegian	91	0.4%

Technology access

Metric	% of households
Computer access	36.7%
Internet access	98.3%

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

Frequently asked questions about ZIP code 21409

What city is ZIP code 21409 in?

ZIP code 21409 is primarily assigned to Annapolis, Maryland.

What county is ZIP code 21409 in?

ZIP code 21409 falls within Anne Arundel County, Maryland.

Is ZIP code 21409 mostly owner-occupied?

89% of occupied units in ZIP code 21409 are owner-occupied, well above the national average.

How educated is the population of ZIP code 21409?

56% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 21409 have a large veteran population?

14% of civilians in ZIP code 21409 are veterans, above the national average of ~7%.

What is the median household income in ZIP code 21409?

The median household income in ZIP code 21409 is $140,236, above the national median of ~$75,000.

What timezone is ZIP code 21409 in?

ZIP code 21409 observes the EST timezone.