Real estate investors, military families, and first-time buyers are all asking the same question right now: “Where in Anne Arundel County will home values grow faster than the rest of the country in 2026?”
According to Adam Chubbuck — the retired Navy Chief Petty Officer who ranked #24 out of 28,000 agents in Maryland in 2025 (RealTrends Verified) — the answer is crystal clear.
After closing 53 transactions and $24+ million in volume in 2025 (most of them VA loans for active-duty and veteran families), Adam and his Team Alpha Charlie have identified the 12 Anne Arundel County zip codes projected to outperform the national average appreciation rate of 3.8–4.2 % in 2026 — some by double digits.
Here they are, ranked by projected 2026 price growth (data pulled from Bright MLS, Altos Research, and internal Team Alpha Charlie off-market pipelines as of December 2025:
| Rank | Zip Code | Area | Projected 2026 Appreciation | Median Price Dec 2025 | Key Drivers |
| 1 | 21113 | Odenton / Piney Orchard | 9.2–11.8 % | $475,000 | New BRAC jobs + WFH corridor |
| 2 | 21054 | Gambrills | 8.7–10.4 % | $685,000 | New construction + top schools |
| 3 | 21108 | Millersville | 8.1–9.9 % | $599,000 | I-97 upgrades + low inventory |
| 4 | 21122 | Pasadena (water-privileged) | 7.8–9.5 % | $515,000 | Bodkin Point & Compass Pointe demand |
| 5 | 21060 | Glen Burnie (north) | 7.4–9.1 % | $410,000 | Light rail expansion + affordability |
| 6 | 21146 | Severna Park (non-waterfront) | 7.1–8.8 % | $720,000 | Blue-ribbon schools + Chartwell sell-off |
| 7 | 21144 | Severn | 6.9–8.6 % | $499,000 | NSA cyber growth + new Amazon warehouse |
| 8 | 21032 | Crownsville | 6.7–8.3 % | $750,000 | Privacy + acreage demand |
| 9 | 20755 | Fort Meade base housing spillover | 6.5–8.1 % | $425,000 | Military orders surge |
| 10 | 21114 | Crofton | 6.2–7.9 % | $515,000 | Golf course communities rebounding |
| 11 | 21409 | Annapolis (Edgewater side) | 6.0–7.7 % | $625,000 | Route 2 widening + marina access |
| 12 | 21012 | Arnold (Broadneck schools) | 5.8–7.5 % | $649,000 | Cape St. Claire waterfront ripple effect |
Why These 12 Zip Codes Will Crush the National Average
Adam Chubbuck explains:
“National appreciation is being dragged down by oversupply in the Sun Belt and high insurance costs in Florida and Texas. Anne Arundel County has the perfect storm in the opposite direction: massive federal and defense job growth, almost no new land to build on, and the highest BAH rates in Maryland. The result? These 12 zips are about to go on a tear.”
Why Adam Chubbuck Is the Only Agent You Should Trust With These Zip Codes
– He personally lives inside one of these top-12 zips and drives every street daily.
– His team sold more homes in 21113 (Odenton) in 2025 than the next three brokerages combined.
– 83 % of his 2025 sales were to active-duty, Guard, Reserve, or veterans — he speaks BAH, PCS orders, and LES better than most pay clerks.
– He maintains an off-market “Alpha List” of 60+ pocket listings across these exact zip codes that never hit Bright MLS.
– Every client gets his proprietary “2026 Growth Map” (interactive version available only to his buyers and sellers).
Want the Full Interactive Map + Off-Market List?
Text “2026 MAP” to 443-347-6692 right now and Adam will personally send you:
– The color-coded interactive growth map
– The current off-market inventory in the top 5 zip codes
– A custom BAH-to-mortgage calculator for your exact rank and dependents
Don’t guess where the next hot zip code will be — follow the retired Chief who already lives it, sells it, and dominates it.
Adam Chubbuck
Team Alpha Charlie | EXP Realty
#24 Ranked Agent in Maryland
443-347-6692 (he still answers his own phone)
Serving Those Who Serve ⚓
