ZIP Code 21409 — Annapolis, MD Home Prices (2026)

The typical home in ZIP 21409 (Annapolis, Maryland) is worth about $603,000 at roughly $352 per square foot — 4% more affordable than the Annapolis median and 105% more expensive than the typical U.S. home.

$603,000

Typical home value

$352

Price per sq ft

#4 of 4

Annapolis ZIPs by value

-4%

vs Annapolis median

How 21409 compares

ZIP 21409 is one of the more affordable ZIP codes in Annapolis: its typical home value of $603,000 ranks #4 of the 4 Annapolis ZIP codes we track (the citywide range runs from $603,000 in 21409 to $1,557,000 in 21405). Per square foot it costs about $352, against $398 for Annapolis as a whole, $233 for Maryland, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 21409	$603,000	$352
Annapolis, MD	$629,000	$398
Maryland	$451,500	$233
United States	$294,000	$195

Home value by size in 21409

Using this ZIP’s rate of about $352 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$352,000
1,500 sq ft	$528,000
2,000 sq ft	$704,000
2,500 sq ft	$880,000
3,000 sq ft	$1,056,000

Salary needed to buy a home in ZIP 21409

To buy the typical $603,000 home in ZIP 21409 with 20% down, you need a household income of roughly $164,000 a year (about $3,830 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $195,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$30,200	$4,760/mo	$204,000/yr
10% (+PMI)	$60,300	$4,550/mo	$195,000/yr
20%	$120,600	$3,830/mo	$164,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 21409

At about $352 per square foot, here is roughly how much home different budgets get you in ZIP 21409:

Budget	Approx. size	What that looks like locally
$300k	850 sq ft	below the local median — condos, smaller or older homes
$400k	1140 sq ft	below the local median — condos, smaller or older homes
$500k	1420 sq ft	around the typical home here
$600k	1700 sq ft	around the typical home here
$750k	2130 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 21409 home.

Estimate a specific home in 21409

The estimator below is pre-set to ZIP 21409 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Annapolis ZIP codes by home value

Where 21409 sits among Annapolis’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	21405	$1,557,000	$819
2	21401	$631,000	$431
3	21403	$627,000	$364
4	21409 (this page)	$603,000	$352

ZIP 21409 home prices: frequently asked

What is the average home price in ZIP code 21409? +

The typical home in ZIP 21409 (Annapolis, MD) is worth about $603,000 as of 2026. That is 4% more affordable than the Annapolis median of $629,000 and 105% more expensive than the U.S. median of $294,000.

What is the price per square foot in 21409? +

About $352 per square foot in 21409, versus $398 across Annapolis and $233 across Maryland. At that rate a 1,500 sq ft home runs roughly $528,000 and a 2,500 sq ft home about $880,000.

What salary do you need to buy a house in ZIP 21409? +

For the typical $603,000 home in ZIP 21409, a household income of about $164,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $195,000; with 5% down about $204,000.

Is 21409 an expensive ZIP code? +

Within Annapolis, 21409 ranks #4 of 4 ZIP codes by typical home value, which makes it one of the more affordable ZIP codes in Annapolis. Nationally it is relatively expensive.

See the full Annapolis home values page, all Maryland cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.