ZIP Code 21401: Population, Income, Housing

State: MD

Total population: 38,629 Household income: $123,381 Rent: $2,150

Overview

Total population

38,629

Rent

$2,150

Year built

1985

Household income

$123,381

Per capita income

$80,697

Poverty rate

7.1%

Unemployment rate

N/A

Household size

2.1 persons

Rent over 30% of income

43.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Maryland

County

Anne Arundel County

City

Annapolis

Total population

38,629

Adults over 25

29,542

Total households

17,984

Household size

2.1 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$123,381

Per capita income

$80,697

Poverty rate

7.1%

Unemployment rate

N/A

Rent over 30% of income

43.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$2,150

Year built

1985

Households that rent

34.6%

Households that own

65.4%

Rooms per home (all homes)

5.8

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

69.7%

Black

16.1%

Asian

3.6%

Two or more races

7.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

8.1%

Not Hispanic or Latino

91.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

14,543 (76.4%)

Commute time to work

28 mins

Work from home

4,486 (23.6%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

18.3%

High school graduate or GED

13.9%

Some college or associate degree

6.7%

Bachelor’s degree or higher

61.1%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 21401 with: Anne Arundel County, MD Baltimore metro area, MD Maryland United States

ZIP 21401

Total population38,629

Rent$2,150

Year built1985

Household income$123,381

Per capita income$80,697

Poverty rate7.1%

Unemployment rateN/A

Anne Arundel County, MD

Total population598,166

Rent$2,071

Year built1983

Household income$124,911

Per capita income$59,733

Poverty rate5.6%

Unemployment rate2.3%

Baltimore Metro Area, MD

Total population2,849,436

Rent$1,611

Year built1976

Household income$99,470

Per capita income$52,391

Poverty rate9.8%

Unemployment rate3.1%

Maryland State

Total population6,206,011

Rent$1,705

Year built1979

Household income$103,678

Per capita income$52,979

Poverty rate9.4%

Unemployment rate3%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP21401	CountyAnne Arundel, MD	Metro AreaBaltimore metro area, MD	StateMaryland	CountryUnited States
Total population	38,629	598,166	2,849,436	6,206,011	334,922,499
Rent	$2,150	$2,071	$1,611	$1,705	$1,413
Year built	1985	1983	1976	1979	1980
Household income	$123,381	$124,911	$99,470	$103,678	$80,734
Per capita income	$80,697	$59,733	$52,391	$52,979	$44,673
Poverty rate	7.1%	5.6%	9.8%	9.4%	12.5%
Unemployment rate	N/A	2.3%	3.1%	3%	4%

View the full multi-level comparison →

Summary for 21401

Rent & Income

In 21401, the typical monthly rent is $2,150 and the typical household income is $123,381. Rent here is higher than Maryland, and household income is higher than Maryland. The estimated poverty rate is 7.1%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 34.6% of households. About 43.7% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 61.1% of adults holding a bachelor’s degree or higher.

ZIP 21401 — Rent vs Household Income

ZIP 21401 — Poverty

How ZIP 21401 compares in Maryland (86 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$2,150	70 / 86	from lower rent	$773 – $3,501
Household income	$123,381	28 / 86	from higher income	$38,409 – $250,001
Poverty rate	7.1%	32 / 86	from lower poverty	2.6% – 31.6%

Rankings are calculated among ZIP Codes in Maryland with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 21401

Rent

In terms of rental prices, this ZIP stands 70th out of 86 ZIP Codes in Maryland. Across Maryland, figures vary from $773 in ZIP 21502 up to $3,501 in ZIP 20854.

Household income

When comparing household incomes, ZIP Code 21401 stands 28th out of 86 ZIP Codes. Throughout Maryland, numbers span from $38,409 in ZIP 21217 up to $250,001 in ZIP 20854.

Poverty rate

Looking at poverty indicators, this ZIP stands 32nd out of 86 ZIP Codes. At the state level, values extend from 2.6% in ZIP 20854 up to 31.6% in ZIP 21217.

💰 Rent in ZIP Code 21401 (with Utilities)

Estimated Monthly Rent: $2,150 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 21401

Annual Household Income: $123,381

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 21401

Estimated Rate: 7.1%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 21401

In ZIP Code 21401, households that rent: 6,229 (34.6%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	6,229	34.6%
Owner-Occupied	11,755	65.4%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 21401

In ZIP Code 21401, cost-burdened renters (households spending over 30% of income on housing): 2,719 (43.7%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	2,719	43.7%
Other renter households	3,510	56.3%
Total renter households	6,229	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 21401

Less than High School: 5,398 people (18.3%)

Includes adults who did not complete high school.

High School Graduate or GED: 4,096 people (13.9%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 1,988 people (6.7%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 18,060 people (61.1%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 29,542

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.