City of Annapolis
Fast Facts:
- Annapolis was home to 40,552 people and had 19,186 housing units in 2023. Since 2010, Annapolis has added an average of 200 people and 100 housing units per year.
- Forty percent of households were renters and 46 percent of renters had unaffordable housing costs.
- Annapolis built 28 units in 2024; an estimated 1,739 units are needed annually to meet future housing demand. Cumulatively, Annapolis has produced at least 150 units since 2022.
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
- City of Annapolis
Preservation Inventory - Subsidized
- City of Annapolis
Preservation Inventory - Unsubsidized
- City of Annapolis
Rental Assistance Demonstration
- City of Annapolis
Energy Efficiency Upgrades for Homeowners
- City of Annapolis
Energy Efficiency Upgrades of Affordable Housing
- 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, 2023
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, 2023
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, 2023
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