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City · 29,549 residents · Anne Arundel County, Maryland

Crofton , Maryland

In Crofton, a typical home is worth $519,900 and typical rent is $2,217 a month. Compared with all of Anne Arundel County, typical household income is 21% higher, the typical home value is 11% higher, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $519,900

    11% above the county

    24% above Maryland

    • Crofton
    • Anne Arundel
    • Maryland

  • Typical rent

    $2,217a month

    7% above the county

    30% above Maryland

    • Crofton
    • Anne Arundel
    • Maryland

  • Typical household income

    $150,577a year

    21% above the county

    45% above Maryland

    • Crofton
    • Anne Arundel
    • Maryland

  • Households that own their home

    82%

    7 points above the county

    15 points above Maryland

    • Crofton
    • Anne Arundel
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$486,202
about the same as 12 months ago
Typical rent
$2,439 a month
1.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Crofton 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 Crofton apart

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

  1. Nearby, in Glenn Dale, the typical rent is $1,698: 23% less than in Crofton ($2,217).

  2. Nearby, in Odenton, the typical home value is $435,300: 16% less than in Crofton ($519,900).

  3. The typical household income in Crofton is $150,577, 21% more than in Anne Arundel County as a whole ($124,911).

  4. Crofton has the 13th smallest share of rent-burdened renters of the 170 cities in Maryland with more than 5,000 people (37%).

  5. 82% of households in Crofton own their home, against 75% in Anne Arundel County.

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

The homes here

Housing in Crofton

What homes there are in Crofton, 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

Homes here are varied: attached houses (townhouses) are 46% of them, more than in Anne Arundel County (21%), and no kind reaches half.

Year built

The typical home in Crofton was built in 1988, 5 years after the typical one in Anne Arundel County.

In Crofton, 80% 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

$2,489 a month

Anne Arundel County: $2,454 a month

Without a mortgage

$817 a month

Anne Arundel County: $751 a month

Owners with a mortgage

81%

Anne Arundel County: 74%

In Crofton, 81% of owners have a mortgage; their typical cost is $2,489 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

Since 2015–2019, homes in Crofton gained value faster than in Anne Arundel County: 34% against 30%.

The typical rent in Crofton rose 15% over the same time; in Anne Arundel County, it rose 25%.

While home values in Crofton changed +34% and rent +15%, the typical household income rose 22%.

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

MeasureCroftonAnne 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 1.7%1.9%2.5%3.4%
People per household 2.782.602.572.53
Drive alone 70%70%65%69%
Carpool 5%7%8%9%
Public transit Unreliable estimate2%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 23%19%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Anne Arundel County, 1.7% of households in Crofton have more than one person per room.

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

Working from home is more common in Crofton: 23%, against 19% in Anne Arundel County.

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 Crofton?

A typical home is tight for the typical income

We start with a typical home in Crofton, worth $519,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Crofton, which is $150,577 a year. For that payment to be 28% of income, a household would need to earn about $182,201 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 Crofton. 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 $18,197 (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

$4,251

at 7.18% · 30 years

Loan amount
$510,483
Total interest
$734,465
Paid off in
November 2056

Includes $8,780 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,513 a month

  • Tight

    $3,513 to $4,517 a month

    Your payment · 34%

  • Hard

    more than $4,517 a month

Compared with the typical household income in Crofton ($150,577 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,251
Principal & interest$3,458
Property tax$347
Home insurance$217
FHA mortgage insurance (MIP)$230

You need at least $18,197 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

Crofton and Anne Arundel County

Crofton 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).

Crofton's own numbers

Typical home value
$519,900
Typical monthly rent
$2,217
Typical yearly household income
$150,577
Households that own their home
82%
Effective property tax rate
0.8%

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 Crofton

A typical home in Crofton is worth $519,900: 11% above the county and 24% above Maryland. With the typical household income in Crofton ($150,577 a year), a typical home costs 3.5 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.

  • Crofton 3.5 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

Crofton 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
  • Crofton $519,900
  • Anne Arundel $467,900
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Crofton $2,217
  • Anne Arundel $2,071
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Crofton $150,577
  • Anne Arundel $124,911
  • Maryland $103,678
  • United States $80,734
See the full table
Crofton next to Anne Arundel County and Maryland
Measure Crofton Anne Arundel County Maryland U.S.
Typical home value $519,900 $467,900 $419,900 $332,700
Typical monthly rent $2,217 $2,071 $1,705 $1,413
Typical yearly household income $150,577 $124,911 $103,678 $80,734
Households that own their home 82% 75% 68% 65%
Typical yearly property tax $4,157 $3,957 $4,093 $3,119
Effective property tax rate 0.8% 0.85% 0.97% 0.94%
Renters with high rent for their income 37% 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 Crofton

For a typical $519,900 home in Crofton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crofton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,251a month

    Least cash to close
    Down payment
    $18,197
    Cash to close
    $33,794
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $230

  • Conventional, 5% down $4,156a month

    Down payment
    $25,995
    Cash to close
    $41,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $247

  • Conventional, 20% down, no PMI $3,381a month

    Down payment
    $103,980
    Cash to close
    $119,577
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,861a month

    Down payment
    $77,985
    Cash to close
    $93,582
    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 Crofton and for Anne Arundel County.

Property tax

Effective rate in Crofton

0.8%of the home’s value each year

$4,157 a year for the typical owner in Crofton.

  • Crofton 0.8%
  • 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 Crofton

Typical rent in Crofton is $2,217 a month: 7% above the county. In Crofton, 37% 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 Crofton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crofton has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,650 in 21114 to $3,010 in 21054.

2 of the 2 are above the fair market rent for Anne Arundel County ($2,006).

  • 21054 $3,010$3,760
  • 21114 $2,650$3,310

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Crofton 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 Crofton

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Crofton

No down payment, repair or rent-help program on our list is for Crofton or Anne Arundel County. The ones below are statewide in Maryland: they work in Crofton 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 Crofton

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

  • Arundel Community Development Service Inc

    2666 Riva Road, Annapolis · 7 miles away · Spanish

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

  • Anne Arundel County Community Action Agency, Incorporated

    251 West St, Annapolis · 10 miles away · Spanish

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

  • Homefree-USA of the Washington DC Metropolitan Area

    8401 Corporate Dr, Landover · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (301) 891-8400

Every agency in Anne Arundel County All counseling agencies in Maryland

Help in Spanish near Crofton

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 Crofton

HUD’s record names them for Crofton 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 Crofton, 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 Crofton.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Crofton

Short answers with the numbers for Crofton 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 Crofton?

The typical home value in Crofton is $519,900, 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 Crofton?

Typical rent in Crofton is $2,217 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 Crofton?

Crofton 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 Crofton?

The typical homeowner in Crofton pays $4,157 a year, according to the U.S. Census Bureau. That is 0.8% 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 Crofton?

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).