City of Annapolis
Fast Facts:
- Annapolis was home to 40,689 people and had 19,598 housing units in 2024. Since 2010, Annapolis has added an average of 200 people and 100 housing units per year.
- Thirty-eight percent of households were renters and 49 percent of renters had unaffordable housing costs.
- Annapolis built 60 units in 2025; an estimated 123 units are needed annually to meet future housing demand. Cumulatively, Annapolis has produced at least 210 units since 2022, short of its 4-year target of 492.
Policy Status
Solving the region's affordable housing crisis requires a portfolio of policies to preserve existing affordable housing, produce more housing, and protect people from discrimination and displacement.
Right of First Refusal
- Not adopted: City of Annapolis
Preservation Inventory - Subsidized
- Adopted: City of Annapolis
Preservation Inventory - Unsubsidized
- Not adopted: City of Annapolis
Rental Assistance Demonstration
- Adopted: City of Annapolis
Energy Efficiency Upgrades for Homeowners
- Not adopted: City of Annapolis
Energy Efficiency Upgrades of Affordable Housing
- Not adopted: City of Annapolis
Housing Outcomes
Local jurisdictions submitted data to enable the region to track housing production, preservation, and rental affordability.
Amount of Housing
Number of units built by type
Note: The City of Baltimore did not report total units built in 2023.
Affordability of Housing
Share of units affordable to households with low incomes
Note: The City of Baltimore did not report total units built in 2023.
Housing Cost: Lowest
Units built affordable to households with incomes 0-29.9% of area median
Housing Cost: Low
Units built affordable to households with incomes 30-49.9% of area median
Housing Cost: Low-Middle
Units built affordable to households with incomes 50-79.9% of area median
Building Permits for New Construction
Number of units permitted by type
Affordable Housing in Development
Number of units
Affordable Housing Preservation
Number of units preserved as committed affordable by type
Structural Racism
Discriminatory actions and racist public policies have produced inequitable outcomes for Black, Indigenous, and people of color in the Washington region, including lower incomes and wealth, lower homeownership rates, and higher rates of housing cost burden.
Homebuying
Share of mortgage originations by race and ethnicity, 2024
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. For mortgages with an applicant and a co-applicant, if they identify the same way they are captured in that category, otherwise if they have different identities they would be included in the Indigenous or Multiple race category.
Source: Home Mortgage Disclosure Act
Credit Denials
Ratio of denial rates for mortgages between white borrowers and borrowers of color, 2024
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Note: If White borrowers and borrowers of Color were denied mortgages at the same rate we would expect to see a ratio equal to 1. Values under 1 indicate that borrowers of Color have higher denial rates than White borrowers.
Source: Home Mortgage Disclosure Act
Housing Context
Understanding how household incomes relate to the supply of affordable rental and homeownership units will inform jurisdictions' efforts to meet the current and future housing needs of residents.
Affordable Homebuying
Share of mortgage originations to households with moderate incomes and below, 2024
For first-lien owner-occupied home purchases of 1-4 unit dwellings
Source: Home Mortgage Disclosure Act
Elected Officials
Equity Officer
Nancy Libson
Chair, Affordable Housing & Community Equity Development Commission
Housing Official
Melissa Maddox-Evans
Executive Director/CEO, Housing Authority of the City of Annapolis