Anne Arundel County, MD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.99, -76.56.
Assembled 2026-10-19. Read the brief.
- 93rd pct · 194th of 3,063 US counties · median $230,451
- 86th pct · 4th of 24 Maryland counties · median $417,647
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median $486,857
- 28th pct · 2,185th of 3,062 US counties · median +2.9%
- 52nd pct · 12th of 24 Maryland counties · median +0.8%
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median +0.8%
- 92nd pct · 102nd of 1,358 US counties · median $1,506
- 85th pct · 4th of 22 Maryland counties · median $1,875
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median $1,896
- 96th pct · 112th of 3,221 US counties · median 8,232
- 82nd pct · 5th of 24 Maryland counties · median 44,580
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median 168,782
- 95th pct · 143rd of 3,221 US counties · median $1,039
- 82nd pct · 5th of 24 Maryland counties · median $1,216
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median $1,480
- 77th pct · 675th of 3,063 US counties · median 4.2
- 52nd pct · 12th of 24 Maryland counties · median 5.8
- 50th pct · 4th of 7 counties in the Baltimore-Columbia-Towson metro · median 5.8
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $502,145 (Sep 2026), +0.9% over one year, +15.1% over five
- 93rd pct · 194th of 3,063 US counties · median $230,451
- 86th pct · 4th of 24 Maryland counties · median $417,647
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median $486,857
| Item | Value | Distance |
|---|---|---|
| Anne Arundel County, MD | $502,145 · +0.9% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $2,337/mo (Sep 2026), +2.4% over one year; price-to-rent 17.9
- 92nd pct · 102nd of 1,358 US counties · median $1,506
- 85th pct · 4th of 22 Maryland counties · median $1,875
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median $1,896
| Item | Value | Distance |
|---|---|---|
| Anne Arundel County, MD | $2,337/mo · +2.4% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,781 a month on $502,145 at 7.40%, against an average weekly wage worth $7,163 a month: 38.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $502,145 × 80% = $401,716, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,781/mo principal and interest
- wage share = payment / (avg weekly wage $1,653 × 52 / 12 = $7,163) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $502,145 / ($1,653 × 52) = 5.8
- price-to-rent = $502,145 / ($2,337 × 12) = 17.9
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
287,628 jobs at 16,404 employers (2026 Q1); -0.9% jobs and +3.6% average weekly wage over the year
- 96th pct · 112th of 3,221 US counties · median 8,232
- 82nd pct · 5th of 24 Maryland counties · median 44,580
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median 168,782
| Item | Value | Distance |
|---|---|---|
| Anne Arundel County, MD | 287,628 jobs · $1,653/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 38,059 | $1,379 | 0.88 | +2.1% |
| Accommodation and food services | 29,109 | $595 | 1.13 | -1.4% |
| Professional and technical services | 28,821 | $2,655 | 1.45 | -3.2% |
| Retail trade | 28,634 | $864 | 1.02 | -2.1% |
| Construction | 20,322 | $1,726 | 1.35 | +3.4% |
| Manufacturing | 19,468 | $3,243 | 0.84 | +0.6% |
| Administrative and waste services | 17,607 | $1,243 | 1.08 | -2.7% |
| Transportation and warehousing | 16,054 | $1,616 | 1.32 | +2.0% |
| Other services | 9,836 | $1,133 | 1.14 | -0.3% |
| Wholesale trade | 7,677 | $2,124 | 0.70 | -9.9% |
| Finance and insurance | 5,101 | $3,316 | 0.44 | +3.5% |
| Real estate and rental | 4,180 | $1,580 | 0.95 | -0.9% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D0 abnormally dry
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$15.3 bn in deposits at 108 offices of 25 banks (SOD June 2026); HHI 1,182, moderately concentrated. $9.2 bn federal obligations in FY2026 (contracts $4.2 bn, direct payments $3.8 bn), $31,850 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $2.8 bn · 18.2% share · 12 offices | |
| Bank of America, National Association | $2.8 bn · 18.1% share · 11 offices | |
| Manufacturers and Traders Trust Company | $2.7 bn · 17.5% share · 16 offices | |
| Anne Arundel, MD | $9.2 bn FY2026 · $31,850/job | |
| MULTIPLE RECIPIENTS | $3.7 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $2,794,191,000 | 18.2% | 12 |
| Bank of America, National Association | $2,765,448,000 | 18.1% | 11 |
| Manufacturers and Traders Trust Company | $2,673,782,000 | 17.5% | 16 |
| Wells Fargo Bank, National Association | $1,256,413,000 | 8.2% | 10 |
| PNC Bank, National Association | $1,086,508,000 | 7.1% | 7 |
| Atlantic Union Bank | $857,945,000 | 5.6% | 5 |
| Shore United Bank, National Association | $794,788,000 | 5.2% | 6 |
| First National Bank of Pennsylvania | $629,532,000 | 4.1% | 5 |
| Capital One, National Association | $433,653,000 | 2.8% | 3 |
| Arundel Bank | $372,598,000 | 2.4% | 5 |
Deposit concentration is 1,182 across 24 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 24 banks with deposits in the county = 18.2² + 18.1² + 17.5² + … (21 more) = 1,182
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Department of Defense | $3,541,141,296 |
| Social Security Administration | $2,651,764,467 |
| Department of Homeland Security | $1,058,137,203 |
| Department of Veterans Affairs | $728,864,147 |
| Department of Health and Human Services | $460,004,982 |
| Department of Transportation | $258,680,181 |
| General Services Administration | $207,811,443 |
| Department of Housing and Urban Development | $48,186,759 |
| Department of Justice | $31,278,903 |
| Department of the Treasury | $29,572,350 |
| Department of Agriculture | $22,018,341 |
| Department of Commerce | $21,210,785 |
That is $31,850 per covered job, against 287,628 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $9.2 bn / 287,628 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,850
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Anne Arundel County, MD: 11 findings, 1 at a watch level and 10 noted
watchAnne Arundel County, MD's covered employment is -0.9% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteAnne Arundel County, MD's average weekly wage was 3.6% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +3.6 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteAnne Arundel County, MD's covered employment was 0.9% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -0.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteAnne Arundel County, MD's typical asking rent rose 0.3% from $2,331 in August 2026 to $2,337 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (2337.1530297075856 - 2330.909763594667) / 2330.909763594667 × 100
- 2337.1530297075856 = Zillow ZORI, 2026-09
- 2330.909763594667 = Zillow ZORI, 2026-08
noteAnne Arundel County, MD's covered employment of 287,628 ranks 112th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 97 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 11 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.