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City · 9,236 residents · Anne Arundel County, Maryland

Cape St. Claire , Maryland

In Cape St. Claire, a typical home is worth $488,200 and typical rent is $2,031 a month. Compared with all of Anne Arundel County, typical household income is 9% higher and the share of households that own their home is 13 points higher.

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  • Typical home value

    $488,200

    4% above the county

    16% above Maryland

    • Cape St. Claire
    • Anne Arundel
    • Maryland

  • Typical rent

    $2,031a month

    About the same as the county

    19% above Maryland

    • Cape St. Claire
    • Anne Arundel
    • Maryland

  • Typical household income

    $136,111a year

    9% above the county

    31% above Maryland

    • Cape St. Claire
    • Anne Arundel
    • Maryland

  • Households that own their home

    88%

    13 points above the county

    21 points above Maryland

    • Cape St. Claire
    • Anne Arundel
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Cape St. Claire is in Anne Arundel County. The FHA loan limit ($747,500 for a one-unit home), the fair market rents and the help on this page are those of all of Anne Arundel County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cape St. Claire apart

What this place has that others do not, from public data, most unusual first.

  1. Cape St. Claire has the 3rd smallest share of rent-burdened renters of the 170 cities in Maryland with more than 5,000 people (26%).

  2. 88% of households in Cape St. Claire own their home, against 75% in Anne Arundel County.

  3. Nearby, in Severna Park, the typical rent is $1,699: 16% less than in Cape St. Claire ($2,031).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cape St. Claire

What homes there are in Cape St. Claire, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 81% of homes here, against 60% in Anne Arundel County.

Year built

The typical home in Cape St. Claire was built in 1978, 5 years before the typical one in Anne Arundel County.

In Cape St. Claire, 91% of homes have 3 bedrooms or more, more than in Anne Arundel County (73%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,534 a month

Anne Arundel County: $2,454 a month

Without a mortgage

$875 a month

Anne Arundel County: $751 a month

Owners with a mortgage

76%

Anne Arundel County: 74%

In Cape St. Claire, 76% of owners have a mortgage; their typical cost is $2,534 a month, about the same as in Anne Arundel County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Cape St. Claire rose 28% since 2015–2019, about the same as in Anne Arundel County (30%).

Since 2015–2019, the typical rent in Cape St. Claire did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCape St. ClaireAnne Arundel CountyMarylandUnited States
Rental vacancy Unreliable estimate5.0%4.7%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.9%2.5%3.4%
People per household 2.782.602.572.53
Drive alone 70%70%65%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate2%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 25%19%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.78 on average, against 2.60 in Anne Arundel County.

Many people here do not commute at all: 25% work from home; in Anne Arundel County, 19%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cape St. Claire?

A typical home is tight for the typical income

We start with a typical home in Cape St. Claire, worth $488,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Cape St. Claire, which is $136,111 a year. For that payment to be 28% of income, a household would need to earn about $172,312 a year.

The calculator's FHA and conventional loan limits are those of all of Anne Arundel County.

Your numbers

Local data
$

Starts at the typical home value in Cape St. Claire. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $17,087 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,021

at 7.18% · 30 years

Loan amount
$479,357
Total interest
$689,683
Paid off in
November 2056

Includes $8,244 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,176 a month

  • Tight

    $3,176 to $4,083 a month

    Your payment · 35%

  • Hard

    more than $4,083 a month

Compared with the typical household income in Cape St. Claire ($136,111 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,021
Principal & interest$3,247
Property tax$354
Home insurance$203
FHA mortgage insurance (MIP)$216

You need at least $17,087 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cape St. Claire and Anne Arundel County

Cape St. Claire is in Anne Arundel County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cape St. Claire's own numbers

Typical home value
$488,200
Typical monthly rent
$2,031
Typical yearly household income
$136,111
Households that own their home
88%
Effective property tax rate
0.87%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Anne Arundel County

FHA limit, one-unit home
$747,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,006
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
0.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Anne Arundel County.

Everything about Anne Arundel County

Buying

Buying a home in Cape St. Claire

A typical home in Cape St. Claire is worth $488,200: 4% above the county and 16% above Maryland. With the typical household income in Cape St. Claire ($136,111 a year), a typical home costs 3.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cape St. Claire 3.6 years
  • Anne Arundel 3.7 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Anne Arundel County

According to FHFA’s house price index, home prices in Anne Arundel County rose 59% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Anne Arundel County.

Period County Maryland U.S.
Last year (2025) +3.4% +2.7% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +59% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cape St. Claire next to Anne Arundel County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cape St. Claire $488,200
  • Anne Arundel $467,900
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Cape St. Claire $2,031
  • Anne Arundel $2,071
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Cape St. Claire $136,111
  • Anne Arundel $124,911
  • Maryland $103,678
  • United States $80,734
See the full table
Cape St. Claire next to Anne Arundel County and Maryland
Measure Cape St. Claire Anne Arundel County Maryland U.S.
Typical home value $488,200 $467,900 $419,900 $332,700
Typical monthly rent $2,031 $2,071 $1,705 $1,413
Typical yearly household income $136,111 $124,911 $103,678 $80,734
Households that own their home 88% 75% 68% 65%
Typical yearly property tax $4,244 $3,957 $4,093 $3,119
Effective property tax rate 0.87% 0.85% 0.97% 0.94%
Renters with high rent for their income 26% 47% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Anne Arundel County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cape St. Claire

For a typical $488,200 home in Cape St. Claire, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cape St. Claire's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,021a month

    Least cash to close
    Down payment
    $17,087
    Cash to close
    $31,733
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $216

  • Conventional, 5% down $3,931a month

    Down payment
    $24,410
    Cash to close
    $39,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $232

  • Conventional, 20% down, no PMI $3,203a month

    Down payment
    $97,640
    Cash to close
    $112,286
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,654a month

    Down payment
    $73,230
    Cash to close
    $87,876
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cape St. Claire and for Anne Arundel County.

Property tax

Effective rate in Cape St. Claire

0.87%of the home’s value each year

$4,244 a year for the typical owner in Cape St. Claire.

  • Cape St. Claire 0.87%
  • Anne Arundel 0.85%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Anne Arundel County

FEMA does not publish these numbers by city: they are for all of Anne Arundel County.

Homes in the high-risk zone
0.9%
1,499
Of those, with NFIP insurance
—
County Maryland U.S.
Homes in the high-risk zone 0.9% 1.2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cape St. Claire

Typical rent in Cape St. Claire is $2,031 a month: about the same as the county. In Cape St. Claire, 26% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Anne Arundel County, by unit size. To pay the 2-bedroom one ($2,006 a month) without spending more than 30% of your income, you would need to earn $38.58 an hour working full time.

HUD fair market rent for all of Anne Arundel County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,523 $29.29 $60,920
1 bedroom $1,625 $31.25 $65,000
2 bedrooms $2,006 $38.58 $80,240
3 bedrooms $2,509 $48.25 $100,360
4 bedrooms $2,789 $53.63 $111,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cape St. Claire

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cape St. Claire is in ZIP code 21409.

For 2 bedrooms it is $2,730: $724 more than the fair market rent for Anne Arundel County ($2,006).

  • 21409 $2,730$3,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cape St. Claire when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Cape St. Claire

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Anne Arundel County; 2 say they serve in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Cape St. Claire

No down payment, repair or rent-help program on our list is for Cape St. Claire or Anne Arundel County. The ones below are statewide in Maryland: they work in Cape St. Claire the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Cape St. Claire

The HUD-approved agencies closest to the center of Cape St. Claire, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Anne Arundel County Community Action Agency, Incorporated

    251 West St, Annapolis · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (410) 626-1900

  • Arundel Community Development Service Inc

    2666 Riva Road, Annapolis · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (410) 222-7612

  • Southeast Community Development Corporation

    3323 Eastern Ave, Baltimore · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (410) 342-3234

Every agency in Anne Arundel County All counseling agencies in Maryland

Help in Spanish near Cape St. Claire

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cape St. Claire

HUD’s record names them for Cape St. Claire or Anne Arundel County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Commisson Of Anne Arundel County Public housing and Section 8 vouchers (410) 222-6205

One other authority has an office in Anne Arundel County: see the list Source: HUD

Cities

Other cities in Anne Arundel County

These cities are also in Anne Arundel County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Anne Arundel County Housing in Maryland
See 9 more cities in Anne Arundel County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Cape St. Claire, with the typical home value.

Neighboring counties

If Anne Arundel County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cape St. Claire.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Cape St. Claire

Short answers with the numbers for Cape St. Claire and all of Anne Arundel County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cape St. Claire?

The typical home value in Cape St. Claire is $488,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Anne Arundel County it is $467,900.

How much does it cost to rent in Cape St. Claire?

Typical rent in Cape St. Claire is $2,031 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Anne Arundel County is $2,006.

What is the FHA loan limit in Cape St. Claire?

Cape St. Claire uses the FHA limit for all of Anne Arundel County (2026): $747,500 for a one-unit home and $1,437,500 for a four-unit home.

How much property tax do owners pay in Cape St. Claire?

The typical homeowner in Cape St. Claire pays $4,244 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Anne Arundel County, the rate is 0.85%.

Where can I find free help to buy or rent in Cape St. Claire?

There are 2 HUD-approved counseling agencies with an office in Anne Arundel County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).