[Greater Baltimore]

Anne Arundel County

Fast Facts:

  • Anne Arundel was home to 594,582 people and had 237,831 housing units in 2023. Since 2010, Anne Arundel has added an average of 4,300 people and 1,900 housing units per year.
  • Twenty-five percent of households were renters and 48 percent of renters had unaffordable housing costs.
  • Anne Arundel built 1,509 units in 2024; an estimated 123 units are needed annually to meet future housing demand. Cumulatively, Anne Arundel has produced at least 3,075 units since 2022.
Sources: Census Population and Housing Unit Estimates, Decennial Census, American Community Survey (2019-23), and the HIT survey of local jurisdictions.
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Anne Arundel County
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Policy Status

Solving the region's affordable housing crisis requires a portfolio of policies to preserve existing affordable housing, produce more housing, and protect people from discrimination and displacement.

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Right of First Refusal

  • Anne Arundel County

Preservation Inventory - Subsidized

  • Anne Arundel County

Preservation Inventory - Unsubsidized

  • Anne Arundel County

Rental Assistance Demonstration

  • Anne Arundel County

Energy Efficiency Upgrades for Homeowners

  • Anne Arundel County

Energy Efficiency Upgrades of Affordable Housing

  • Anne Arundel County

Housing Outcomes

Local jurisdictions submitted data to enable the region to track housing production, preservation, and rental affordability.

Amount of Housing

Number of units built by type

01,0002,0003,0004,0005,000Units493736631Anne Arundel County202220232024
Multifamily
Single-family

Note: The City of Baltimore did not report total units built in 2023.

Affordability of Housing

Share of units affordable to households with low incomes

020406080100Percent Anne ArundelCounty5%0%3%
2022
2023
2024

Note: The City of Baltimore did not report total units built in 2023.

Housing Cost: Lowest

Units built affordable to households with incomes 0-29.9% of area median

0100200300400500Units Anne ArundelCounty00
2022
2023
2024

Housing Cost: Low

Units built affordable to households with incomes 30-49.9% of area median

02004006008001,000Units Anne ArundelCounty00
2022
2023
2024

Housing Cost: Low-Middle

Units built affordable to households with incomes 50-79.9% of area median

02004006008001,000Units Anne ArundelCounty
2022
2023
2024

Building Permits for New Construction

Number of units permitted by type

01,0002,0003,0004,000Units1,248886664Anne Arundel County202220232024
Multifamily
Single-family

Affordable Housing in Development

Number of units

01,0002,0003,0004,0005,0006,000Units444334Anne Arundel County202220232024
In the pipeline
Under construction

Affordable Housing Preservation

Number of units preserved as committed affordable by type

05001,0001,5002,000Units30100Anne Arundel County202220232024
Units with existing subsidies
Units previously unsubsidized

Structural Racism

Discriminatory actions and racist public policies have produced inequitable outcomes for Black, Indigenous, and people of color in the Washington region, including lower incomes and wealth, lower homeownership rates, and higher rates of housing cost burden.

Income

Average household income by race and ethnicity, 2019-23

$0$50,000$100,000$150,000$200,000$ Anne ArundelCountyRace and ethnicity$154,000$123,200$131,900$137,800$162,800
Asian or Pacific Islander
Black
Hispanic/Latinx
Indigenous, Other or Multiple Race
White

Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white.

Source: American Community Survey

Homeownership

Homeownership rate by race and ethnicity, 2019-23

020406080100Percent Anne ArundelCountyRace and ethnicity73%56%60%64%82%
Asian or Pacific Islander
Black
Hispanic/Latinx
Indigenous, Other or Multiple Race
White

Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white.

Source: American Community Survey

Homebuying

Share of mortgage originations by race and ethnicity, 2023

For first-lien owner-occupied home purchases of 1-4 unit dwellings

020406080100Percent Anne ArundelCountyRace and ethnicity17%11%12%58%
Asian or Pacific Islander
Black
Hispanic/Latinx
Indigenous or Multiple race
White

Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. For mortgages with an applicant and a co-applicant, if they identify the same way they are captured in that category, otherwise if they have different identities they would be included in the Indigenous or Multiple race category.

Source: Home Mortgage Disclosure Act

Credit Denials

Ratio of denial rates for mortgages between white borrowers and borrowers of color, 2023

For first-lien owner-occupied home purchases of 1-4 unit dwellings

00.20.40.60.81Ratio Anne ArundelCounty0.407

Note: If White borrowers and borrowers of Color were denied mortgages at the same rate we would expect to see a ratio equal to 1. Values under 1 indicate that borrowers of Color have higher denial rates than White borrowers.

Source: Home Mortgage Disclosure Act

Rental Housing Cost Burden

Renter households paying more than 30% of their monthly income in rent, 2019-23

020406080100Percent Anne ArundelCountyRace and ethnicity28%44%49%53%47%
Asian or Pacific Islander
Black
Hispanic/Latinx
Indigenous, Other or Multiple Race
White

Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white. Households paying more than 30 percent of their monthly income in housing costs are considered to be cost burdened.

Source: American Community Survey

Owner Housing Cost Burden

Owner households paying more than 30% of their monthly income in housing costs, 2019-23

020406080100Percent Anne ArundelCountyRace and ethnicity28%24%23%20%18%
Asian or Pacific Islander
Black
Hispanic/Latinx
Indigenous, Other or Multiple Race
White

Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white. Households paying more than 30 percent of their monthly income in housing costs are considered to be cost burdened.

Source: American Community Survey

Housing Context

Understanding how household incomes relate to the supply of affordable rental and homeownership units will inform jurisdictions' efforts to meet the current and future housing needs of residents.

Household Income

Distribution of households by income level relative to the area median income, 2019-23

020406080100Percent Anne ArundelCounty8%8%14%21%27%22%
Below 30%
30-49.9%
50-79.9%
80-119.9%
120-199.9%
200% and above

Note: Income categories reflect HUD Income Limits by household size for 2023.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Change in Household Income

Change in households by income level relative to the area median income, 2008-12 to 2019-23

-5,00005,00010,000Households Anne ArundelCountyIncome level9201,1601,7202,2506,42012,840
Below 30%
30-49.9%
50-79.9%
80-119.9%
120-199.9%
200% and above

Note: Incomes are in 2023 dollars. Income categories reflect HUD Income Limits by household size for 2023.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Renter Housing Supply by Cost

Renter housing units by monthly housing cost, 2019-23

020406080100Percent Anne ArundelCounty9%14%47%19%6%5%
$0-$899
$900-$1,499
$1,500-$2,299
$2,300-$2,799
$2,800-$3,299
$3,300 and higher

Note: Rental costs include the contractual monthly rent payment plus any additional costs to the tenant for utilities and fees.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Change in Renter Housing Supply by Cost

Change in renter housing units by monthly housing cost, 2008-12 to 2019-23

-5,00005,00010,00015,000Change in Units Anne ArundelCountyRent level-630-4,6705,6604,5901,130
$0-$899
$900-$1,499
$1,500-$2,299
$2,300-$2,799
$2,800-$3,299
$3,300 and higher

Note: Costs are in 2023 dollars. Rental costs include the contractual monthly rent payment plus any additional costs to the tenant for utilities and fees.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Housing Cost Burden

Renter households paying more than 30% of their monthly income in rent, 2019-23

020406080100Percent Anne ArundelCounty48%

Note: Households paying more than 30 percent of their monthly income in housing costs are considered to be cost burdened.

Source: American Community Survey

Deeply Affordable Units

Estimated number of public housing units and vouchers relative to renter households with incomes below 30% of area median, 2019-23

020406080100Per 100 households Anne ArundelCounty47

Note: Estimated number of units and vouchers is for 2024. Vouchers include federally-funded Housing Choice Vouchers and locally-funded vouchers where information was available. Income is for 2019-23 and based on the 2023 HUD Income Limits by family size.

Source: American Community Survey Public Use Microdata Sample (PUMS); HUD Picture of Subsidized Households 2024; and HUD HCVP Power BI Dashboard

Need for Accessible Units

Number of households with one or more people with a disability by income level relative to the area median, 2019-23

02,0004,0006,0008,000Households Anne ArundelCountyIncome level6,0804,0105,0605,6706,0203,030
Below 30%
30-49.9%
50-79.9%
80-119.9%
120-199.9%
200% and above

Note: Income categories reflect HUD Income Limits by household size for 2023. People will a disability includes those with cognitive disabilities, physical or self-care disabilities, ambulatory disabilities, independent living difficulties, vision disabilities, or hearing disabilities.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Homeowner Housing Supply by Cost

Owner housing units by monthly housing cost for a first-time homebuyer, 2019-23

020406080100Percent Anne ArundelCounty8%15%13%19%9%36%
$0-$1,499
$1,500-$2,299
$2,300-$2,799
$2,800-$3,299
$3,300-$3,799
$3,800 and higher

Note: Costs for owner housing were calculated as the monthly payment for a 30-year fixed rate mortgage for 90 percent of the market value to the unit, along with estimates of other monthly costs including mortgage insurance, taxes, utilities, and fees.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Affordable Homebuying

Share of mortgage originations to households with moderate incomes and below, 2023

For first-lien owner-occupied home purchases of 1-4 unit dwellings

020406080100Percent Anne ArundelCounty25%29%
0-80% of area median
80-120% of area median income

Source: Home Mortgage Disclosure Act

Potential Homebuyers

Number of potential homebuyers with low or moderate incomes by race and ethnicity, 2019-23

For renter households with a head of household age 45 years or younger and incomes between 50-120% of AMI

02,0004,0006,0008,00010,000Households Anne ArundelCountyRace and ethnicity6004,6002,0009007,000
Asian or Pacific Islander
Black
Hispanic/Latinx
Indigenous, Other or Multiple Race
White

Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. Income categories reflect HUD Income Limits by household size for 2023. Renter households with a head of household under age 22 were excluded.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Elected Officials

  1. Steuart Pittman

    Steuart Pittman

    County Executive

  2. Shannon Leadbetter

    Shannon Leadbetter

    Council Member - District 7

  3. Lisa D. B. Rodvien

    Lisa D. B. Rodvien

    Council Vice Chair - District 6

  4. Amanda Fiedler

    Amanda Fiedler

    Council Member - District 5

  5. Julie Hummer

    Julie Hummer

    Council Chair - District 4

  6. Nathan Volke

    Nathan Volke

    Council Member - District 3

  7. Allison M. Pickard

    Allison M. Pickard

    Council Member - District 2

  8. Peter Smith

    Peter Smith

    Council Member - District 1

Equity Officer

  1. Asha Smith

    Asha Smith

    Director, Office of Equity and Human Rights

Housing Officials

  1. Diane Haislip

    Diane Haislip

    Chief Executive Officer, Housing Commission of Anne Arundel County

  2. Jenny Dempsey

    Jenny Dempsey

    Planning & Zoning Officer