$50,000
3338 Arundel on the Bay Rd
Annapolis Neck, MD
Land10,000 sqft lot
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Annapolis Neck, MD Housing Market
Seller's market+0.4% YoY
Redfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The last median sale price Redfin published was $903,500, +0.4% year over year (through May 2026). With 2.4 months of supply and homes going under contract in about 25 days, Annapolis Neck is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $903,500 home is about $4,823/mo in principal and interest.
Key numbers for Annapolis Neck, MD
Median sale price
$903,500
+0.4% year over year
Redfin, through May 2026
Days on market
25
Average pace
Redfin, through May 2026
Active listings
51
2.4 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$171,833
Home costs 5.3x income
U.S. Census ACS, 2023
Sale-to-list ratio
99.3%
Selling below asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Annapolis Neck a buyer's or seller's market?
Seller's market2.4 months of supply25 days on market99.3% of asking
Annapolis Neck, MD is a seller's market, based on 2.4 months of supply and homes selling in about 25 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Annapolis Neck housing market data show?
Every row below is Redfin's final published month for Annapolis Neck, MD. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $903,500 |
| Median list price | $739,000 |
| Year-over-year price change | +0.4% |
| Median price per sq ft | $418/sq ft |
| Median days on market | 25 days |
| Active inventory | 51 listings |
| Months of supply | 2.4 months |
| Sale-to-list price ratio | 99.3% |
| Homes sold (that month) | 21 |
| New listings (that month) | 33 |
| Listings with a price cut | 35.3% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Annapolis Neck is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Annapolis Neck is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Annapolis Neck home prices moved?
Over the last three years the median sale price in Annapolis Neck, MD rose 31.9%, from $685,000 to $903,500. 35.3% of Annapolis Neck listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.4 months while the sale-to-list ratio slips below its current 99.3%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Annapolis Neck?
Priced off the median sale price of $903,500 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $180,700 | $722,800 | $4,823/mo |
| 5% | $45,175 | $858,325 | $5,728/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $4,823, that implies roughly $206,716 a year before you add taxes and insurance. The median household in Annapolis Neck earns $171,833, about $34,883 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 5.3x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Annapolis Neck in the next 12 months?
Tell us your timeline. We send the Annapolis Neck market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Annapolis Neck?
Zillow does not publish a rent index (ZORI) for Annapolis Neck, MD, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Annapolis Neck?
Active listings in Annapolis Neck, MD went from 48 in May 2025 to 51 in May 2026, a +6.3% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 57 | 26 |
| July 2025 | 43 | 17 |
| August 2025 | 47 | 17 |
| September 2025 | 48 | 21 |
| October 2025 | 50 | 22 |
| November 2025 | 42 | 14 |
| December 2025 | 30 | 7 |
| January 2026 | 26 | 10 |
| February 2026 | 24 | 10 |
| March 2026 | 33 | 26 |
| April 2026 | 47 | 30 |
| May 2026 | 51 | 33 |
Redfin, through May 2026
How does Annapolis Neck compare to Maryland and the U.S.?
Annapolis Neck homes sell for $903,500 — 89% above the Maryland median of $477,300. Against the national median of $410,700, Annapolis Neck runs 120% higher. Year-over-year, Annapolis Neck moved +0.4% against Maryland's +5.5% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Annapolis Neck, MD | $903,500 | +0.4% | 25 days |
| Maryland statewide | $477,300 | +5.5% | 34 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Annapolis Neck
What buyers should watch
- Months of supply, currently 2.4. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 35.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $904 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $903,500 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Annapolis Neck listing goes under contract in 25 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 99.3% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Annapolis Neck added 33 new listings against 21 sales — more competition arriving than clearing, so early timing matters.
- Comparable ZIP-level pricing inside Annapolis Neck varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Annapolis Neck
There are currently 51 homes listed for sale in Annapolis Neck, Maryland. The median listing price is $739K. Featured listings range from $50,000 to $1,999,995.
$625,000
115 Edgemere Dr
Annapolis Neck, MD
4 bd2 ba1,644 sqft$380/ft²
House15,995 sqft lot
View photos & details
$895,000
600 Tayman Dr
Annapolis Neck, MD
4 bd3 ba2,304 sqft$388/ft²
House14,169 sqft lot
View photos & details
$895,000
1106 Mainsail Dr
Annapolis Neck, MD
5 bd3 ba2,059 sqft$435/ft²
House19,200 sqft lot
View photos & details
$895,000
3135 Anchorage Dr
Annapolis Neck, MD
4 bd4 ba3,145 sqft$285/ft²
House20,000 sqft lot
View photos & details
$899,000
2654 Ogleton Rd
Annapolis Neck, MD
4 bd3 ba3,220 sqft$279/ft²
House14,993 sqft lot
View photos & details
$979,000
143-A E Lake Dr
Annapolis Neck, MD
3 bd3 ba1,952 sqft$502/ft²
House9,583 sqft lot
View photos & details
$1,050,000
3249 Arundel on the Bay Rd
Annapolis Neck, MD
4 bd4 ba2,800 sqft$375/ft²
House1.15 acres
View photos & details
$1,384,000
2644 Claibourne Rd
Annapolis Neck, MD
6 bd4 ba3,702 sqft$374/ft²
House20,125 sqft lot
View photos & details
$1,665,000
2186 Chesapeake Harbour Dr E
Annapolis Neck, MD
3 bd4 ba2,307 sqft$722/ft²
Condo
View photos & details
$1,800,000
927 Old Annapolis Neck Rd
Annapolis Neck, MD
Land2.07 acres
View photos & details
$1,999,995
107 W Bay View Dr
Annapolis Neck, MD
6 bd4 ba5,068 sqft$395/ft²
House18,295 sqft lot
View photos & details
Looking to buy in Annapolis Neck?
Get connected with a local real estate expert — free, no obligation.
Active listings
51
Homes on market
Median list price
$739K
Avg. days on market
25
Days until sale
New this week
33
Newly listed
Price drops:35.3%of listings
Sale-to-list:99.3%
How much do homes cost in Annapolis Neck by property type?
How the Annapolis Neck, MD market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $903,500 | $384/sq ft | 17 | 22 days |
| Condo / co-op | $691,250 | $496/sq ft | 2 | 39 days |
| Townhouse | $1.18M | $495/sq ft | 2 | 45 days |
Who lives in Annapolis Neck?
American Community Survey estimates for Annapolis Neck. U.S. Census ACS, 2023
Population
12,484
Households
5,098
Median income
$171,833/yr
Median age
50.6 years
Owner-occupied
90.5%
Median home value
$723,100
Median gross rent
$2,805/mo
Mean commute
31 min
90.5% of occupied homes in Annapolis Neck are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Annapolis Neck, MD?
Ordered by distance from Annapolis Neck, not by size. Compare Annapolis Neck side by side with any of them.
Annapolis Neck housing market FAQ
Is Annapolis Neck a buyer's or seller's market?
Annapolis Neck, MD is currently a seller's market. That read comes from 2.4 months of supply, homes going under contract in about 25 days, and sellers getting 99.3% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Annapolis Neck?
The median sale price in the last month Redfin published was $903,500, about $418 per square foot.
Is Annapolis Neck cheaper than the rest of Maryland?
Annapolis Neck's median sale price of $903,500 is 89% higher than the Maryland statewide median of $477,300, and 120% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Annapolis Neck?
Homes in Annapolis Neck, MD spent a median of 25 days on market before going under contract, versus 34 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Annapolis Neck?
At the current 30-year fixed rate of 7.03%, 20% down on a $903,500 home is about $4,823 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $206,716 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $171,833.
Are home prices rising in Annapolis Neck?
Redfin's last published year-over-year change for Annapolis Neck, MD was +0.4%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Annapolis Neck?
Annapolis Neck ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Annapolis Neck?
That depends on your timeline, not on a headline. What the data says today: Annapolis Neck, MD is a seller's market with 2.4 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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