21401 Property Tax Rate
Annapolis, Maryland · Part of Anne Arundel County
Effective Tax Rate
0.90%
31.8% above state avgMedian Annual Tax
$5,237
$436/mo escrow
Estimate Your Tax
Annual Tax
$5,237
Monthly
$436
Eff. Rate
0.90%
Buyer decision brief
What ZIP 21401 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$436/mo
Based on median annual tax paid
State context
0.06 percentage points below the Maryland average
Maryland average: 0.96%
Data confidence
High confidenceThe Census margin of error is $395, about 8% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Anne Arundel County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 21401 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$395 tax MOE, 8% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Anne Arundel County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 21401
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $580,600, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.90%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Maryland and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $436 per month before insurance, HOA dues, or special assessments.
Assessor verification
Anne Arundel County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 21401 Compares
Median Annual Property Tax
ZIP 21401
0.90%
Effective rate
Maryland Avg
0.96%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Maryland
Lower than 59% of ZIP codes in Maryland(41th percentile, 423 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 21401
Property owners in ZIP code 21401 (Annapolis, Maryland) pay a median of $5,237/year in property taxes on homes valued at $580,600. This translates to an effective tax rate of 0.90%, which is 6% below the Maryland state average of 0.96%.
The monthly property tax burden for a median-valued home in 21401 is approximately $436, which factors into escrow payments on mortgages. This ZIP code is located within Anne Arundel County. This is $1,263 more than the Maryland average of $3,974/year.
Compared to similar ZIP codes in Maryland, 21401 has higher property taxes. ZIP codes with similar effective rates include 21773 (0.90%) and 21918 (0.90%).
In Annapolis, property taxes represent approximately 4.4% of the median household income of $119,296, providing context for the relative tax burden on homeowners in this area.
Maryland's Homestead Tax Credit caps annual assessment increases at 10% for your primary residence, though your initial purchase-year assessment is unrestricted — file for the credit with Anne Arundel County's tax office. The credit applies automatically to qualifying primary residences but requires proper registration; contact the Anne Arundel County Assessor to ensure your homestead classification is recorded within 45 days of purchase. Request a copy of your Notice of Assessment and confirm your assessment ratio is correct (owner-occupied property should be assessed on market value).
Frequently Asked Questions
What is the property tax rate in ZIP code 21401?
How much are property taxes in Annapolis, MD (21401)?
How does ZIP 21401 compare to the Maryland average?
What is the median home value in ZIP 21401?
What county is ZIP code 21401 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$395. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 21401 is part of Anne Arundel County, Maryland. View the full county profile for broader context and more data.
View Anne Arundel County on TaxByCounty →Explore Annapolis, MD
View all 4 ZIP codes in Annapolis with property tax comparisons.
View Annapolis Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 21401
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
21403
Annapolis, MD
0.05 percentage points lower than ZIP 21401.
Rate
0.85%
Tax
$4,805
Quality
96
21409
Annapolis, MD
0.04 percentage points lower than ZIP 21401.
Rate
0.86%
Tax
$4,316
Quality
96
21056
Gibson Island, MD
0.40 percentage points lower than ZIP 21401.
Rate
0.50%
Tax
$10,001
Quality
75
20758
Friendship, MD
0.18 percentage points lower than ZIP 21401.
Rate
0.72%
Tax
$4,365
Quality
81
21032
Crownsville, MD
0.15 percentage points lower than ZIP 21401.
Rate
0.75%
Tax
$4,812
Quality
89
20779
Tracys Landing, MD
0.13 percentage points lower than ZIP 21401.
Rate
0.77%
Tax
$3,915
Quality
84
21012
Arnold, MD
0.13 percentage points lower than ZIP 21401.
Rate
0.77%
Tax
$4,269
Quality
89
21146
Severna Park, MD
0.12 percentage points lower than ZIP 21401.
Rate
0.78%
Tax
$5,008
Quality
89
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.