City Report · MD

Annapolis

Pop. 40,720·23rd most expensive in Maryland·Annapolis rents are up 8.8% over the past year
Median rent (all units)
$2,386/mo
Year-over-Year
+8.8%
Month-over-Month
-0.5%
vs US Median
+$424
Stable (Monthly)
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Most AffordableMost Expensive
Annapolis · $2,386
More expensive than 76% of US cities · National median $1,962/mo
Rent Reality Score
49/100
Fairly priced
OverheatedFairGreat value

Rents are right about where Annapolis's 10-year trend predicts.

Actual rent
$2,386/mo
Expected by trend
$2,376/mo
The Rent Reality Score compares today's median rent to where Annapolis's own long-run trajectory projects it should be. See the full rankings →
Medians by bedroom

Rent by unit size

Studio
$1,765
1 BR
$2,010
2 BR
$2,465
3 BR
$3,175
4 BR+
$3,545
Fair Market Rent (HUD)
$2,465/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $2,386 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$28,632/yr
At $2,386/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 8.8% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+8.8% YoY, -0.5% MoM), not inventory.
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Demographics

Who lives here

Annapolis, MD is majority owner-occupied, has a large retiree population, has a median income above the national average, 53.8% of residents hold a bachelor's degree or higher.

Population
40,720
Median income
$113,860
Median age
43
Renters
38%
Age distribution
20.3%
20.2%
23.7%
15.4%
20.4%
Under 1820.3%
18–3420.2%
35–5423.7%
55–6415.4%
65+20.4%
Gender
47.9%
52.1%
Male47.9%
Female52.1%
Race & ethnicity
59.6%
20.3%
14.8%
White59.6%
Black20.3%
Hispanic14.8%
Asian3.1%
Other2.2%
Education (25+)
14.8%
22.4%
53.8%
No HS diploma9%
HS diploma14.8%
Some college22.4%
Bachelor's+53.8%
Housing tenure
62%
38%
Owner62%
Renter38%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Annapolis, MD has changed in 5 years

Rent
$1,777 → $2,386
up 34.3%
Income
$92,026 → $113,860
up 23.7%
Population
40,581 → 40,720
up 0.3%
Renter share
42.3% → 38%
-4.3 pts
Bachelor's+
50.1% → 53.8%
+3.7 pts
Median age
37.5 → 43
+5.5 yrs

Compared with 2021, rent in Annapolis, MD has climbed by $609 per month, settling near $2,386 after starting the period at $1,777. Household income in the area moved from $92,026 to $113,860 across the same window, up 23.7% versus 2021. Rent outpaced income growth by roughly 10.6 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. About 38% of households rent today, against 42.3% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 50.1% to 53.8%. Reading these numbers side by side helps frame whether current listings in Annapolis, MD look reasonable against where the market sat half a decade ago.

Community

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View Annapolis rent history (2015–2026) →
Salary vs rent

Can you afford rent in Annapolis on your salary?

At $2,386/mo, how Annapolis rent compares to typical pay (30% rule).

By apartment size

Annapolis rent by bedroom count

Median rent for each apartment size in Annapolis. Click any size for full breakdown.

Local insights

Tips for renters in Annapolis

About renting in Annapolis, MD

Last updated: August 17, 2026

The median rent in Annapolis is $2,386/mo as of August 2026. A studio apartment averages $1,765/mo while a 2-bedroom runs $2,465/mo. One-bedroom apartments average $2,010/mo and 3-bedroom units go for $3,175/mo.

At 25% of local median household income ($113,860/yr), Annapolis ranks as affordable compared to the national benchmark of 30%. Rents have increased 8.8% over the past year.

FAQ

Frequently asked questions

Is Annapolis an affordable city for renters?

Annapolis is considered affordable for renters. At $2,386/mo, rent takes approximately 25% of the local median household income ($113,860/yr). The standard benchmark is 30%. Annapolis falls comfortably within that range.

How much income do you need to rent in Annapolis?

To keep rent at or below 30% of gross income, you would need to earn at least $95,000/year (~$46/hour full-time) to afford the median rent of $2,386/mo in Annapolis. The local median household income is $113,860/yr, meaning the typical Annapolis household meets that threshold.

Is rent going up or down in Annapolis?

Rent in Annapolis has increased 8.8% over the past year as of August 2026, putting upward pressure on renter budgets.

Which Annapolis neighborhoods have the lowest rent?

The most affordable ZIP codes in Annapolis are 21403 ($2,232/mo), and 21401 ($2,408/mo). Citywide, the median rent in Annapolis is $2,386/mo.

How does Annapolis rent compare to other cities in Maryland?

Annapolis is one of the pricier cities in Maryland for rent, ranking #23 out of 94 tracked cities at $2,386/mo.

What percentage of Annapolis residents rent vs. own?

According to Census data, approximately 38% of Annapolis households are renters, while 62% are owner-occupied. Annapolis leans toward homeownership, which can mean a smaller rental inventory.

How does Annapolis rent compare to the national average?

Annapolis's median rent of $2,386/mo is $424 (22%) above the US national median of $1,962/mo. Within Maryland, it ranks #23 out of 94 tracked cities.
Income Affordability
25%
AFFORDABLE

At $2,386/mo, rent takes ~25% of Annapolis's median household income ($113,860/yr). The standard benchmark is 30%.

Annapolis 25%Benchmark 30%
State income tax2–5.75%
Run the Annapolis affordability calculator →
Lowest-rent ZIP codes in Annapolis
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Neighborhoods

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Schools nearby

Public schools near Annapolis, MD

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