Area data
Cape saint clair, MD — ZIP 21401
Population: 38,629 (Census ACS)
The median home value in ZIP 21401 (Cape saint clair, MD) is $630,968 — up 2.5% over the past year. Homes sell for a median $675,000 after a median 41 days on market. Typical rent runs $2,408/month. 11 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with lightning, strongwind, winterweather the top-rated hazards. Cost of living is 8.0% above the US average (BEA, metro/state-level).
$630,968
Median home value
+2.5%
1-year change
41
Median days on market
Relatively Moderate
Hazard risk (county)
Home values & appreciation
- Median home value
- $630,968
- 1-year appreciation
- +2.5%
- 3-year appreciation
- +10.6%
- 5-year appreciation
- +21.5%
- 10-year appreciation
- +51.9%
- All-time peak (2026-07)
- $630,968
- House Price Index (state)
- 367.5 (+0.7% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $675,000
- Median list price
- $725,000
- Median price per sqft
- $315
- 1-year sale-price change
- 0.0%
- Median days on market
- 41 days
- Homes sold (recent period)
- 167
- For-sale inventory
- 171
- Sale-to-list ratio
- 100.0%
- Active listings
- 145
- 1-year forecast
- -0.1%
- Days to pending
- 35 days
- New listings (monthly)
- 66
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $2,408/mo
- 1-year rent change
- +2.4%
- Studio fair-market rent
- $1,150/mo
- 1BR fair-market rent
- $1,437/mo
- 2BR fair-market rent
- $1,704/mo
- 3BR fair-market rent
- $2,216/mo
- 4BR fair-market rent
- $2,557/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Above Average)
- 108.0 (100 = US avg)
- Electricity rate (state-level)
- 19.5¢/kWh
- Natural gas rate (state-level)
- $16.10/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 11
- Elementary schools
- 6
- Middle schools
- 2
- High schools
- 1
- Schools include
- Annapolis Elementary, Annapolis High, Wiley H. Bates Middle, Germantown Elementary, Walter S. Mills - Parole Elementary
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Moderate
- Top hazards (county)
- lightning, strongWind, winterWeather, coastalFlooding, coldWave
- Notable hazard ratings (county)
- coastalFlooding: Relatively Moderate · coldWave: Relatively Moderate · drought: Relatively Moderate · earthquake: Relatively Low · hail: Relatively Moderate · heatWave: Relatively Moderate
- FEMA flood zone
- X
- Flood risk level
- Minimal
- Wildfire risk to homes (county)
- Higher than 24% of US counties
- Buildings in wildfire direct-exposure zone
- 42.4%
- Radon potential (county)
- Moderate radon potential — EPA Zone 2 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- Fort George G. Meade (10.9 mi)
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Average annual temperature
- 58.0°F
- Average high
- 66.0°F
- Average low
- 51.0°F
- Annual precipitation
- 45.2 in
- USDA plant hardiness zone
- 7b (extreme annual low 5 to 10°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Air quality
- Air quality rating
- Good
- Median AQI (annual)
- 40
- Days with Good air quality
- 225
- Days with Moderate air quality
- 36
- Highest AQI recorded (year)
- 150
Source: EPA air quality data (nearest monitoring station, annual)
Walkability & transit
- Walkability index
- 14.5 / 20
- Transit service frequency
- 1,149
- Jobs reachable by car (30 min)
- 84,406
- Jobs reachable by transit (45 min)
- 69,273
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 55
- Nearest national park
- Captain John Smith Chesapeake National Historic Trail (4 mi)
- National parks include
- Captain John Smith Chesapeake National Historic Trail, Chesapeake Bay, Baltimore-Washington Parkway
- Airports within 30 mi
- 28
- Nearest airport
- Lee Airport (ANP) (3 mi)
- Nearest major airport
- Fort Meade Executive Airport (FME) (13 mi)
- Hospitals nearby (~15 mi)
- 2
- Hospitals include
- LUMINIS HEALTH ANNE ARUNDEL MEDICAL CENTER, INC, LUMINIS HEALTH J KENT MCNEW FAMILY MEDICAL CENTER
- Avg hospital rating (CMS)
- 3.0 / 5
- Best hospital rating nearby (CMS)
- 3.0 / 5
- Solar radiation rating
- Fair (4.2 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- -634 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,985
- Housing built before 1970
- 30.4%
- Housing built 2000 or later
- 24.9%
- Median annual property tax
- $5,533
- Mean commute to work
- 22 min
- Households with broadband internet
- 81.7%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 228,083
- Average weekly wage
- $1,407
- Top industries (by employment)
- Health Care, Accommodation & Food, Professional Services
- Annual residential building permits (county)
- 1,005
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 21401 | State median | US median | |
|---|---|---|---|
| Median home value | $630,968 | $452,533 | $289,727 |
| Median sale price | $675,000 | $450,000 | $325,000 |
| Median days on market | 41 days | 40 days | 51 days |
| Typical rent | $2,408/mo | $2,002/mo | $1,808/mo |
| Median annual property tax | $5,533 | $3,862 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 21401?
- $630,968.
- What is the median sale price in ZIP 21401?
- $675,000.
- How long do homes take to sell in ZIP 21401?
- Median days on market: 41 days.
- What is typical rent in ZIP 21401?
- Typical rent: $2,408/month.
- What is the natural-hazard risk in ZIP 21401?
- Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: lightning, strongWind, winterWeather, coastalFlooding, coldWave.
- Is ZIP 21401 in a flood zone?
- Minimal (FEMA NFIP). FEMA flood zone X.
- What is the wildfire risk in ZIP 21401?
- Risk to homes is higher than 24% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 21401?
- Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 21401?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 21401?
- 11 schools (6 elementary, 2 middle, 1 high) (NCES, 2022-23).
- Is ZIP 21401 walkable?
- Walkability index: 14.5/20 (EPA Smart Location Database).
- What is the air quality in ZIP 21401?
- Good. Median AQI: 40. (EPA AQI).
- What is the cost of living in ZIP 21401?
- Regional Price Parity: 108.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →