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City · 45,002 residents · Anne Arundel County, Maryland

Odenton , Maryland

In Odenton, a typical home is worth $435,300 and typical rent is $2,257 a month. Compared with all of Anne Arundel County, typical rent is 9% higher, the typical home value is 7% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $435,300

    7% below the county

    4% above Maryland

    • Odenton
    • Anne Arundel
    • Maryland

  • Typical rent

    $2,257a month

    9% above the county

    32% above Maryland

    • Odenton
    • Anne Arundel
    • Maryland

  • Typical household income

    $128,441a year

    3% above the county

    24% above Maryland

    • Odenton
    • Anne Arundel
    • Maryland

  • Households that own their home

    63%

    12 points below the county

    5 points below Maryland

    • Odenton
    • Anne Arundel
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$467,536
about the same as 12 months ago
Typical rent
$2,481 a month
4.5% more than 12 months ago

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

Odenton 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 Odenton apart

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

  1. Nearby, in Severna Park, the typical rent is $1,699: 25% less than in Odenton ($2,257).

  2. 63% of households in Odenton own their home, against 75% in Anne Arundel County.

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

The homes here

Housing in Odenton

What homes there are in Odenton, 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

No kind of home is the majority in Odenton; the largest group, attached houses (townhouses), adds up to 35%, against 21% in Anne Arundel County.

Year built

Homes in Odenton are newer: the typical year built is 1999; in Anne Arundel County, 1983.

Homes in Odenton are smaller: 63% have 3 bedrooms or more; 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

$2,449 a month

Anne Arundel County: $2,454 a month

Without a mortgage

$749 a month

Anne Arundel County: $751 a month

Owners with a mortgage

77%

Anne Arundel County: 74%

In Odenton, 77% of owners have a mortgage; their typical cost is $2,449 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

From 2015–2019 to 2020–2024, the typical home value in Odenton rose 35%; in Anne Arundel County, it rose 30%.

Much as in Anne Arundel County, the typical rent in Odenton rose 23% since 2015–2019.

To compare: typical income in Odenton rose 29%; the home, +35%; the rent, +23%.

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

MeasureOdentonAnne 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 2.502.602.572.53
Drive alone 72%70%65%69%
Carpool 5%7%8%9%
Public transit 2%2%4%3%
Walk or bike 1%2%2%3%
Work from home 20%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, a household in Odenton has 2.50 people on average.

To get to work, 72% of workers in Odenton 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 Odenton?

A typical home is tight for the typical income

We start with a typical home in Odenton, worth $435,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Odenton, which is $128,441 a year. For that payment to be 28% of income, a household would need to earn about $153,641 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 Odenton. 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 $15,236 (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

$3,585

at 7.18% · 30 years

Loan amount
$427,415
Total interest
$614,950
Paid off in
November 2056

Includes $7,351 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,997 a month

  • Tight

    $2,997 to $3,853 a month

    Your payment · 33%

  • Hard

    more than $3,853 a month

Compared with the typical household income in Odenton ($128,441 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,585
Principal & interest$2,895
Property tax$316
Home insurance$181
FHA mortgage insurance (MIP)$193

You need at least $15,236 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

Odenton and Anne Arundel County

Odenton 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).

Odenton's own numbers

Typical home value
$435,300
Typical monthly rent
$2,257
Typical yearly household income
$128,441
Households that own their home
63%
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 Odenton

A typical home in Odenton is worth $435,300: 7% below the county and 4% above Maryland. With the typical household income in Odenton ($128,441 a year), a typical home costs 3.4 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.

  • Odenton 3.4 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

Odenton 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
  • Odenton $435,300
  • Anne Arundel $467,900
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Odenton $2,257
  • Anne Arundel $2,071
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Odenton $128,441
  • Anne Arundel $124,911
  • Maryland $103,678
  • United States $80,734
See the full table
Odenton next to Anne Arundel County and Maryland
Measure Odenton Anne Arundel County Maryland U.S.
Typical home value $435,300 $467,900 $419,900 $332,700
Typical monthly rent $2,257 $2,071 $1,705 $1,413
Typical yearly household income $128,441 $124,911 $103,678 $80,734
Households that own their home 63% 75% 68% 65%
Typical yearly property tax $3,780 $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 53% 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 Odenton

For a typical $435,300 home in Odenton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Odenton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,585a month

    Least cash to close
    Down payment
    $15,236
    Cash to close
    $28,295
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $193

  • Conventional, 5% down $3,505a month

    Down payment
    $21,765
    Cash to close
    $34,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $207

  • Conventional, 20% down, no PMI $2,856a month

    Down payment
    $87,060
    Cash to close
    $100,119
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,259a month

    Down payment
    $65,295
    Cash to close
    $78,354
    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 Odenton and for Anne Arundel County.

Property tax

Effective rate in Odenton

0.87%of the home’s value each year

$3,780 a year for the typical owner in Odenton.

  • Odenton 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 Odenton

Typical rent in Odenton is $2,257 a month: 9% above the county. In Odenton, 53% 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 Odenton

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

For 2 bedrooms it runs from $2,740 in 21113 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
  • 21113 $2,740$3,430

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Odenton 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 Odenton

HUD lists 5 buildings with rents for lower incomes in Odenton. These are the largest.

  • Friendship Station Senior Housing 1212 Odenton Rd, Odenton 21113 88 low-income homes · For older adults (410) 547-5527
  • Odenton Senior Housing II 1208 Odenton Rd, Odenton 21113 63 homes, 62 low-income · For older adults (443) 798-3434
  • Berger Square 1474, 1475, 1480 and 1484 Berger ST, Odenton 21113 48 low-income homes · 2 bd: 48 · In service since 2016 · For people with disabilities, families
  • Berger Square 1480 Berger St, Odenton 21113 40 homes, 8 low-income
  • Vesta Arundel Homes 375 Baltimore Ave, Odenton 21113 8 low-income homes · For people with disabilities (410) 672-2862

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

Free help

Help to buy or rent in Odenton

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Odenton

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

The HUD-approved agencies closest to the center of Odenton, 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 · 10 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 · 12 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 · 12 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 Odenton

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 Odenton

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

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Odenton

Short answers with the numbers for Odenton 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 Odenton?

The typical home value in Odenton is $435,300, 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 Odenton?

Typical rent in Odenton is $2,257 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 Odenton?

Odenton 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 Odenton?

The typical homeowner in Odenton pays $3,780 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 Odenton?

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).