HomeMarylandAnne Arundel County
Anne Arundel County, Maryland: commercial real estate data.
Anne Arundel County, Maryland has a population of 598,166 across 415 square miles, up 1.6 percent since the 2020 census base. 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.
123 sourced county values · tier FULL · 11 sections
Anne Arundel County
How many people live in Anne Arundel County
- Population598,166
- 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-equivalents115th
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 an affordable ownership market 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 growing
- Population change since the 2020 census base1.64 percent
- Census 2020 base population592,643
- 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
The county has grown 1.64 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Anne Arundel County
Where people moving to Anne Arundel County come from
- Tax returns filed by households arriving19,257
- People arriving, from those returns33,503
- Adjusted gross income arriving$1.81 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$93,792
- Largest single originAnne Arundel County Non-migrants (229,636 households)
- Largest single destination (229,636 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Anne Arundel County Non-migrants | 229,636 | 455,557 | $30.30 bn |
| Other flows - Different State | 3,491 | 6,131 | $291.5 m |
| Prince George's County | 3,012 | 5,390 | $211.4 m |
| Howard County | 1,692 | 2,942 | $168.0 m |
| Other flows - South | 1,672 | 2,990 | $132.1 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 |
The largest single source of arrivals is Anne Arundel County Non-migrants, 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 the Anne Arundel County economy runs on
- 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 Maryland counties3rd
- Rank by GDP among US county-equivalents78th
- 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
Who employs people in Anne Arundel County
- Covered employment, annual average288,447
- Establishments reporting15,974
- Average annual pay$79,546
- Average weekly wage$1,530
- Sector 62, employment36,628
- Sector 62, average annual pay$71,360
- Sector 72, employment30,317
- Sector 72, average annual pay$30,856
- Sector 44-45, employment29,823
- Sector 44-45, average annual pay$44,857
- Sector 54, employment29,213
- Sector 54, average annual pay$128,527
- Sector 23, employment19,540
- Sector 31-33, employment18,633
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 36,628 | 1,656 | $71,360 |
| Sector 72 | 30,317 | 1,232 | $30,856 |
| Sector 44-45 | 29,823 | 1,706 | $44,857 |
| Sector 54 | 29,213 | 2,838 | $128,527 |
| Sector 23 | 19,540 | 1,638 | $85,898 |
| Sector 31-33 | 18,633 | 312 | $133,813 |
| Sector 56 | 17,343 | 1,035 | $61,467 |
| Sector 48-49 | 15,296 | 409 | $91,388 |
The largest sector is the biggest private employer group at 36,628 jobs, 12.7 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Anne Arundel County
What businesses operate 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.
US Census Bureau, County Business Patterns, 2023.
Anne Arundel County
What is being built in Anne Arundel County
- Housing units authorised by permit, 20241,304
- Declared construction value permitted$234.7 m
- Single family units authorised1,005
- Multifamily units authorised299
- Multifamily share of units22.9 percent
- Average declared value per unit$179,991
- Units authorised per 1,000 households5.8
Multifamily is 22.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Anne Arundel County
How much SBA lending happens in Anne Arundel County
- 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$1,210,000
- 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)
- 7(a) share of SBA approvals87.8 percent
- Combined SBA approval dollars$428.0 m
The average approval of $449,869 sits well above the median of $150,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually 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
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.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Anne Arundel County
Which parts of Anne Arundel County get the lending
- Places in the county with recorded lending37
- Annapolis, approvals145
- GLEN BURNIE, approvals101
- Odenton, approvals55
- Pasadena, approvals53
- Crofton, approvals49
- SEVERNA PARK, approvals43
| Place | 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 |
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 big 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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population598,166
- 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?
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 growing?
The population has grown 1.64 percent since the 2020 census base. 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 there 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 the average wage in Anne Arundel County?
Average annual pay is $79,546, or $1,530 a week, across 288,447 covered jobs. 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 totalling $326.2 m since FY2020, across 85 lenders, with a median approval of $150,000, plus 101 504 approvals worth $101.8 m. 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.
What is being built in Anne Arundel County?
1,304 housing units were authorised 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 Anne Arundel County Non-migrants, with 229,636 households. Arriving households report an average income of $93,792 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.