Español

Este sitio también está en español. Leer en español

City · 8,519 residents · Anne Arundel County, Maryland

Edgewater , Maryland

In Edgewater, a typical home is worth $454,100 and typical rent is $2,208 a month. Compared with all of Anne Arundel County, typical household income is 8% lower, typical rent is 7% higher, and the share of households that own their home is 8 points higher.

WhatsApp

  • Typical home value

    $454,100

    3% below the county

    8% above Maryland

    • Edgewater
    • Anne Arundel
    • Maryland

  • Typical rent

    $2,208a month

    7% above the county

    30% above Maryland

    • Edgewater
    • Anne Arundel
    • Maryland

  • Typical household income

    $114,365a year

    8% below the county

    10% above Maryland

    • Edgewater
    • Anne Arundel
    • Maryland

  • Households that own their home

    83%

    8 points above the county

    16 points above Maryland

    • Edgewater
    • Anne Arundel
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$576,120
1.9% more than 12 months ago
Typical rent
$3,203 a month

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

Edgewater 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 Edgewater apart

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

  1. Nearby, in Annapolis, the typical rent is $1,860: 16% less than in Edgewater ($2,208).

  2. 83% of households in Edgewater own their home, against 75% in Anne Arundel County.

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

The homes here

Housing in Edgewater

What homes there are in Edgewater, 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 75% of homes here, against 60% in Anne Arundel County.

Year built

In Edgewater, half of the homes were built before 1981; in Anne Arundel County, before 1983.

There is more room for a big family here: 85% of homes have 3 bedrooms or more, against 73% in Anne Arundel County.

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

$2,412 a month

Anne Arundel County: $2,454 a month

Without a mortgage

$877 a month

Anne Arundel County: $751 a month

Owners with a mortgage

69%

Anne Arundel County: 74%

Owning costs about the same in Edgewater as in Anne Arundel County: with a mortgage, $2,412 a month; without one, $877.

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 Edgewater rose 32% since 2015–2019, about the same as in Anne Arundel County (30%).

Much as in Anne Arundel County, the typical rent in Edgewater rose 26% since 2015–2019.

The typical household income in Edgewater rose 28% over that time; home values changed +32% and rent +26%.

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

MeasureEdgewaterAnne 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 2.372.602.572.53
Drive alone 71%70%65%69%
Carpool 5%7%8%9%
Public transit Unreliable estimate2%4%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 21%19%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Edgewater has 2.37 people, fewer than in Anne Arundel County (2.60).

To get to work, 71% of workers in Edgewater drive alone; in Anne Arundel County, 70%.

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 Edgewater?

A typical home costs more than the typical income allows

We start with a typical home in Edgewater, worth $454,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Edgewater, which is $114,365 a year. For that payment to be 28% of income, a household would need to earn about $160,601 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 Edgewater. 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 $15,894 (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

$3,747

at 7.18% · 30 years

Loan amount
$445,875
Total interest
$641,509
Paid off in
November 2056

Includes $7,669 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,669 a month

  • Tight

    $2,669 to $3,431 a month

  • Hard

    more than $3,431 a month

    Your payment · 39%

Compared with the typical household income in Edgewater ($114,365 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,747
Principal & interest$3,021
Property tax$337
Home insurance$189
FHA mortgage insurance (MIP)$201

You need at least $15,894 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

Edgewater and Anne Arundel County

Edgewater 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).

Edgewater's own numbers

Typical home value
$454,100
Typical monthly rent
$2,208
Typical yearly household income
$114,365
Households that own their home
83%
Effective property tax rate
0.89%

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 Edgewater

A typical home in Edgewater is worth $454,100: 3% below the county and 8% above Maryland. With the typical household income in Edgewater ($114,365 a year), a typical home costs 4.0 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.

  • Edgewater 4.0 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

Edgewater 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
  • Edgewater $454,100
  • Anne Arundel $467,900
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Edgewater $2,208
  • Anne Arundel $2,071
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Edgewater $114,365
  • Anne Arundel $124,911
  • Maryland $103,678
  • United States $80,734
See the full table
Edgewater next to Anne Arundel County and Maryland
Measure Edgewater Anne Arundel County Maryland U.S.
Typical home value $454,100 $467,900 $419,900 $332,700
Typical monthly rent $2,208 $2,071 $1,705 $1,413
Typical yearly household income $114,365 $124,911 $103,678 $80,734
Households that own their home 83% 75% 68% 65%
Typical yearly property tax $4,059 $3,957 $4,093 $3,119
Effective property tax rate 0.89% 0.85% 0.97% 0.94%
Renters with high rent for their income 62% 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 Edgewater

For a typical $454,100 home in Edgewater, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edgewater's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,747a month

    Least cash to close
    Down payment
    $15,894
    Cash to close
    $29,517
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $201

  • Conventional, 5% down $3,664a month

    Down payment
    $22,705
    Cash to close
    $36,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $216

  • Conventional, 20% down, no PMI $2,987a month

    Down payment
    $90,820
    Cash to close
    $104,443
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,407a month

    Down payment
    $68,115
    Cash to close
    $81,738
    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 Edgewater and for Anne Arundel County.

Property tax

Effective rate in Edgewater

0.89%of the home’s value each year

$4,059 a year for the typical owner in Edgewater.

  • Edgewater 0.89%
  • 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 Edgewater

Typical rent in Edgewater is $2,208 a month: 7% above the county. In Edgewater, 62% 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 Edgewater

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edgewater is in ZIP code 21037.

For 2 bedrooms it is $2,750: $744 more than the fair market rent for Anne Arundel County ($2,006).

  • 21037 $2,750$3,440

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

Low-income apartments

Low-income apartments in Edgewater

HUD lists one building with rents for lower incomes in Edgewater.

  • Victoria Park at Edgewater 87 Stewart Dr, Edgewater 21037 102 low-income homes · 1 bd: 28 · 2 bd: 74 · In service since 2006 · For older adults

See all 48 buildings in Anne Arundel County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Edgewater

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 Edgewater

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

The HUD-approved agencies closest to the center of Edgewater, 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 · 2 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 · 4 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 · 17 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 Edgewater

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 Edgewater

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

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Edgewater

Short answers with the numbers for Edgewater 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 Edgewater?

The typical home value in Edgewater is $454,100, 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 Edgewater?

Typical rent in Edgewater is $2,208 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 Edgewater?

Edgewater 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 Edgewater?

The typical homeowner in Edgewater pays $4,059 a year, according to the U.S. Census Bureau. That is 0.89% 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 Edgewater?

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).