HomeMarylandAnne Arundel County
Anne Arundel County, Maryland: commercial real estate data.
Anne Arundel County, Maryland had an estimated 602,350 residents on July 1, 2024, up 1.6 percent since the 2020 census base of 592,643, across 415 square miles. County output reached $69.95 bn in 2024, 14,718 establishments operate here, and the SBA record carries 725 7(a) approvals worth $326.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Anne Arundel County
How many people live in Anne Arundel County
- Population, American Community Survey 2020-2024598,166
- Households224,748
- Average household size2.66
- Median household income$124,911
- Median age39.0
- Median gross rent$2,071 per month
- Median owner-occupied home value$467,900
- Home value to household income3.7 times
- Annual rent as a share of median income19.9 percent
- Adults 25 and over with a bachelor degree or higher45.8 percent
- Adults 25 and over with a graduate degree20.6 percent
- Adults 25 and over414,741
- Population under 18133,881
- Share under 1822.4 percent
- Population 65 and over94,886
- Share 65 and over15.9 percent
- Working age population, 18 to 64369,399
- Civilian labor force318,663
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over68.6 percent
- Rank by population among Maryland counties4th of 24
- Rank by population among US county-equivalents, Puerto Rico included115th of 3,222
Anne Arundel County is the 4th largest of 24 Maryland counties by population. A median home costs 3.7 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.4 percent against 15.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Anne Arundel County
Is Anne Arundel County's population growing?
- Population, July 1, 2024602,350
- Census 2020 base population592,643
- Population change since the 2020 census base1.64 percent
- Population change, 2023 to 20242,385
- Births, 20246,695
- Deaths, 20244,740
- Natural change, 20241,955
- Net domestic migration, 2024-2,032
- Net international migration, 20242,448
- Total net migration, 2024416
- Cumulative net domestic migration, 2021 to 2024-5,969
- Rank by growth among US county-equivalents1287th of 3,144
The county has grown 1.64 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Anne Arundel County
Where are people moving to Anne Arundel County from?
- Tax returns filed by households arriving19,257
- People arriving, from those returns33,503
- Tax returns filed by households leaving19,891
- Net household movement-634
- Adjusted gross income arriving$1.81 bn
- Net adjusted gross income movement$19.8 m
- Average income of an arriving household$93,792
- Average income of a leaving household$89,805
- Largest single originPrince George's County (3,012 households)
- Largest single destinationBaltimore County (1,621 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Prince George's County | 3,012 | 5,390 | $211.4 m |
| Howard County | 1,692 | 2,942 | $168.0 m |
| Baltimore County | 1,482 | 2,437 | $160.0 m |
| Baltimore city | 1,362 | 2,180 | $103.3 m |
| Montgomery County | 1,141 | 1,932 | $120.0 m |
| District of Columbia | 495 | 830 | $73.6 m |
| Fairfax County | 327 | 584 | $46.2 m |
| Foreign - APO/FPO ZIPs | 326 | 831 | $30.6 m |
Households arriving report $3,987 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Prince George's County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Anne Arundel County
What is the Anne Arundel County economy?
- County GDP, 2024$69.95 bn
- County GDP, 2023$65.09 bn
- GDP change, 2023 to 20247.5 percent
- GDP change over five years35.6 percent
- Rank by GDP among the Maryland areas BEA publishes3rd of 24
- Rank by GDP among the US county areas BEA publishes78th of 3,127
- GDP per resident$116,934
Output grew 7.5 percent in the latest year and 35.6 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Anne Arundel County
Employment by industry in Anne Arundel County
- Covered employment, annual average288,447
- Establishments reporting15,974
- Average annual pay$79,546
- Average weekly wage$1,530
- Health care and social assistance, employment36,628
- Health care and social assistance, average annual pay$71,360
- Accommodation and food services, employment30,317
- Accommodation and food services, average annual pay$30,856
- Retail trade, employment29,823
- Retail trade, average annual pay$44,857
- Professional, scientific and technical services, employment29,213
- Professional, scientific and technical services, average annual pay$128,527
- Construction, employment19,540
- Manufacturing, employment18,633
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 36,628 | 1,656 | $71,360 |
| Accommodation and food services | 30,317 | 1,232 | $30,856 |
| Retail trade | 29,823 | 1,706 | $44,857 |
| Professional, scientific and technical services | 29,213 | 2,838 | $128,527 |
| Construction | 19,540 | 1,638 | $85,898 |
| Manufacturing | 18,633 | 312 | $133,813 |
| Administrative and support and waste management services | 17,343 | 1,035 | $61,467 |
| Transportation and warehousing | 15,296 | 409 | $91,388 |
Health care and social assistance is the largest private sector at 36,628 jobs, 12.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Anne Arundel County
How many businesses are in Anne Arundel County?
- Establishments, all industries14,718
- Employment at those establishments245,664
- Annual payroll$16.70 bn
- Establishments per 1,000 residents24.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Anne Arundel County
Building permits in Anne Arundel County
- Housing units authorized by permit, 20241,304
- Declared construction value permitted$234.7 m
- Single family units authorized1,005
- Multifamily units authorized299
- Multifamily share of units22.9 percent
- Average declared value per unit$179,991
- Units authorized per 1,000 households5.8
Single-family homes are 77.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Anne Arundel County
SBA loans in Anne Arundel County (7(a) and 504)
- 7(a) approvals recorded725
- 7(a) gross approval dollars$326.2 m
- Average 7(a) approval$449,869
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,201,200
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)8,811
- Jobs per approval12.2
- Distinct 7(a) lenders active85
- Distinct industries receiving approvals200
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer5.8 percent
- Loans on real estate terms42
- Loans on working capital terms, 120 months or shorter628
- Franchise loans128
- Franchise share of approvals17.7 percent
- Leading industry by approval countHome Health Care Services (33)
- Most active lenderManufacturers and Traders Trust Company (286)
- 504 approvals recorded101
- 504 gross approval dollars$101.8 m
- Average 504 approval$1,008,010
- Median 504 approval$662,000
- Distinct CDCs active5
- 504 jobs per approval16.3
- 504 jobs per million dollars approved16.1
- Most active CDCBusiness Finance Group, Inc. (79)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$428.0 m
The average approval of $449,869 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 5.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Anne Arundel County
SBA loan default and charge-off rates in Anne Arundel County
Do SBA loans in Anne Arundel County get paid back?
- Loans with a final outcome recorded121
- Paid in full113
- Charged off8
- Charge-off rate on resolved loans6.6 percent
- Status: Exempt from disclosure440
- Status: Paid in full113
- Status: Charged off8
- Status: Cancelled105
- Status: Committed, not yet disbursed59
Of the 121 loans that have reached a final outcome, 6.6 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Anne Arundel County
SBA lending by place in Anne Arundel County
- Borrower cities with recorded lending37
- Annapolis, approvals145
- Glen Burnie, approvals101
- Odenton, approvals55
- Pasadena, approvals53
- Crofton, approvals49
- Severna Park, approvals43
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Annapolis | 145 | $60,398,500 |
| Glen Burnie | 101 | $41,133,400 |
| Odenton | 55 | $12,349,700 |
| Pasadena | 53 | $19,723,300 |
| Crofton | 49 | $22,759,500 |
| Severna Park | 43 | $11,851,000 |
| Hanover | 42 | $18,674,400 |
| Gambrills | 40 | $24,280,900 |
| 29 other borrower cities | 197 | $114,984,000 |
Annapolis accounts for 145 approvals against 101 in Glen Burnie. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Anne Arundel County
How large is Anne Arundel County?
- Land area415 sq mi
- Rank by land area among Maryland counties13th of 24
- Width, east to west24 mi
- Height, north to south36.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land1,441
- Establishments per square mile35.47
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Anne Arundel County
Flood risk in Anne Arundel County
- Participation of the county's own NFIP community Anne Arundel County, unincorporated areasParticipating, community 240008
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Anne Arundel County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Anne Arundel County (community 240008), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Anne Arundel County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Anne Arundel County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Anne Arundel County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024598,166
- Households224,748
- Average household size2.66
- Median household income$124,911
- Median age39.0
Common questions
Anne Arundel County questions, answered from the record.
How many people live in Anne Arundel County, Maryland?
The Census Bureau estimates 602,350 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 598,166, in 224,748 households, ranking 4th of 24 Maryland counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Anne Arundel County's population growing?
The population has grown 1.64 percent since the 2020 census base of 592,643, to 602,350 on July 1, 2024. In 2024 there were 6,695 births against 4,740 deaths, with net migration of 416. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Anne Arundel County?
$124,911. The median owner-occupied home is valued at $467,900, which is 3.7 times income, and median gross rent is $2,071 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Anne Arundel County?
14,718 establishments, employing 245,664 people with an annual payroll of $16.70 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Anne Arundel County?
Health care and social assistance is the largest private sector at 36,628 jobs, 12.7 percent of covered employment. Covered employment averages 288,447 jobs at an average annual pay of $79,546, or $1,530 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Anne Arundel County?
725 7(a) approvals totaling $326.2 m since FY2020, across 85 lenders, with a median approval of $150,000, plus 101 504 approvals worth $101.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Anne Arundel County get paid back?
Of the 121 loans that have reached a final outcome, 113 were paid in full and 8 charged off, a charge-off rate of 6.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Anne Arundel County?
1,304 housing units were authorized by permit in 2024, with a declared construction value of $234.7 m. Multifamily was 22.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Anne Arundel County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Anne Arundel County come from?
The largest single origin is Prince George's County, with 3,012 households. Arriving households report an average income of $93,792 against $89,805 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Anne Arundel County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Anne Arundel County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Anne Arundel County
Cities and places in Anne Arundel.
32 Census places lie wholly or partly in Anne Arundel County. All 32 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Glen Burnie | CDP | 72,590 | 101 | Wholly in this county |
| Severn | CDP | 58,402 | 21 | Wholly in this county |
| Odenton | CDP | 45,002 | 55 | Wholly in this county |
| Annapolis | city | 40,720 | 145 | Wholly in this county |
| Severna Park | CDP | 40,228 | 43 | Wholly in this county |
| Pasadena | CDP | 34,309 | 53 | Wholly in this county |
| Crofton | CDP | 29,549 | 49 | Wholly in this county |
| Arnold | CDP | 24,303 | 9 | Wholly in this county |
| Maryland City | CDP | 19,186 | 1 | Wholly in this county |
| Lake Shore | CDP | 18,249 | None recorded | Wholly in this county |
| Ferndale | CDP | 17,529 | None recorded | Wholly in this county |
| Parole | CDP | 17,229 | None recorded | Wholly in this county |
| Brooklyn Park | CDP | 16,067 | None recorded | Wholly in this county |
| Riviera Beach | CDP | 12,192 | None recorded | Wholly in this county |
| Annapolis Neck | CDP | 12,032 | None recorded | Wholly in this county |
| Linthicum | CDP | 11,313 | 1 | Wholly in this county |
| Fort Meade | CDP | 11,225 | None recorded | Wholly in this county |
| Jessup | CDP | 9,931 | 4 | 58.6 percent here, 41.4 percent Howard County |
| Cape St. Claire | CDP | 9,236 | None recorded | Wholly in this county |
| Mayo | CDP | 8,694 | None recorded | Wholly in this county |
| Edgewater | CDP | 8,519 | 32 | Wholly in this county |
| Deale | CDP | 5,333 | 6 | Wholly in this county |
| Riva | CDP | 4,976 | 1 | Wholly in this county |
| Shady Side | CDP | 4,727 | 4 | Wholly in this county |
| Naval Academy | CDP | 3,006 | None recorded | Wholly in this county |
| Gambrills | CDP | 2,830 | 40 | Wholly in this county |
| Herald Harbor | CDP | 2,430 | None recorded | Wholly in this county |
| Arden on the Severn | CDP | 1,761 | None recorded | Wholly in this county |
| Crownsville | CDP | 1,756 | 9 | Wholly in this county |
| Galesville | CDP | 1,062 | None recorded | Wholly in this county |
| Friendship | CDP | 278 | None recorded | Wholly in this county |
| Highland Beach | town | 107 | None recorded | Wholly in this county |
A further 151 of the county's 725 SBA 7(a) approvals are to borrowers in cities that match no Census place in Anne Arundel County, the largest being Hanover (42), Millersville (28), Linthicum Heights (22). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby