ZIP Code 21403 — Annapolis Neck CDP, MD Demographics & Data

ZIP code 21403 covers Annapolis Neck, MD in Anne Arundel County with a population of about 32,757.

At a glance, the area shows median age of 45.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 410, 443, 667; U.S. House district MD-3; the BALTIMORE media market.

Median household income in ZIP 21403 is about $115,068 — about 53% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.9%; unemployment rate near 3.4%; 57.6% of adults with a bachelor’s degree or higher (about 23.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Public administration; about 17.9% of workers reporting work-from-home (about 2.7 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $566,900 — about 63% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,750 (about 50% above the U.S. median rent ($1,163)), and owner-occupancy near 70.0% (about 4.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 21403 in Annapolis Neck, MD, a household would need roughly $156,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,642. That is about 36% above the local median household income ($115,068), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Annapolis Neck CDP, MD as Relatively Moderate (composite score 81.9), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (87.2) and flood (80.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Annapolis Neck CDP, MD show little to no average snow and around 44.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,924 for ZIP 21403 (Annapolis Neck CDP, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.