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722 N Edgewood St
C- Composite 51.27
Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +20.9/30.0
  • ARV discount +7.2/15.0
  • DSCR +6.6/10.0
  • 1% rule +5.4/10.0
  • Rent growth +3.8/5.0
  • Livability +3.8/5.0
  • Condition / age +2.5/5.0
  • Schools +1.0/10.0
  • Appreciation +0.0/10.0

$199,900

722 N Edgewood St · Baltimore, MD 21229
4 bd · 1.0 ba · 1,710 sqft · Townhouse public records · 177 Days on market
Built 1925 1,742 sqft lot $117/sqft · at area comps Est $199k · at est.

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

MAJOR PRICE REDUCTION FOR A QUICK SALE. HURRY!!! THIS IS A BEAUTIFUL 4 BEDROOM AND A SPACIOUS END OF THE GROUP WITH A GORGEOUS KITCHEN, FULLY FINISHED BASEMENT WITH A CERAMIC TILE PLUS UPDATED BATHROOM ON EVERY LEVEL. THIS HOME QUALIFIES FOR ALL KINDS OF SPECIAL FINANCING WITH ZERO DOWN FHA FINANCING. AGENTS: YOUR CLIENTS CAN MOVE INTO THIS HOME WITH LITTLE OUT OF POCKET CASH. ENJOY THE FULLY FINISHED BASEMENT FOR YOUR ENTERTAINMENTS PLUS 4 BEDROOMS ON THE 2ND LEVEL GREAT FOR A GROWING FAMILY. EASY ACCESS TO 95, MINUTES TO CATONSVILLE, AND LESS THAN 7 MINUTES DRIVE TO SAINT AGNESS HOSPITAL. I WILL RECOMMEND YOU HURRY TO THIS ONE BEFORE ITS GONE. SELLER WILL HELP WITH CLOSING. ASK YOUR LENDER ABOUT AVAILABE FUNDS FOR DOWNPAYMENT FOR FIRST TIME BUYERS.

Key facts

  • Gorgeous kitchen
  • Easy access to 95
  • Updated bathroom

Tags

GORGEOUS KITCHENFULLY FINISHED BASEMENTUPDATED BATHROOMEASY ACCESS TO 95MINUTES TO CATONSVILLE

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/1.0-bath townhouse listed at $200k.

Deal economics

  • At list price, monthly cash flow is $278 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $200k).
  • Recommended offer: $176k (12.0% below list) — sets the bar for market timing.
  • Cap rate 8.0% vs local median 6.0% in Baltimore — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: schools D, crime F.
  • Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising fast (+5.4%/yr); 256 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
  • This rent runs 41% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
  • Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

  • It's been on market 177 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
  • 10 sale attempts since 32y ago; this cycle's ask has dropped $21k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $19k; list at $200k implies a 963% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $175,912 (12.0% below list)

Questions for the listing agent

  1. It's been on market 177 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.04%
Cap rate
7.96%
Cash-on-cash
5.95%
DSCR
1.26
GRM
8.0

CMA / ARV

ARV (median comp)
$198,532
List price
$199,900
Delta
0.69%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
743 Linnard St 0.03mi 4/2.0 1,693 (-1%) 1mo $199,000 $118 92
3716 Edmondson Ave 0.25mi 4/1.0 1,512 (-12%) 2mo $130,000 $86 67
120 Allendale St 0.45mi 3/2.0 (-1) 1,728 (+1%) 2mo $225,000 $130 67
3118 Normount Ave 0.54mi 3/2.0 (-1) 1,725 (+1%) 1mo $174,990 $101 64
733 Lyndhurst St 0.33mi 3/1.5 (-1) 1,550 (-9%) 2mo $85,000 $55 60
2732 Riggs Ave 0.73mi 3/1.0 (-1) 1,730 (+1%) 2mo $135,000 $78 57
2738 W Mosher St 0.70mi 3/1.0 (-1) 1,765 (+3%) 1mo $37,000 $21 57
12 N Rosedale St 0.73mi 3/1.5 (-1) 1,740 (+2%) 1mo $160,000 $92 56
509 Normandy Ave 0.40mi 4/2.5 1,458 (-15%) 1mo $212,000 $145 50
1226 N Augusta Ave 0.65mi 3/2.0 (-1) 1,536 (-10%) 0mo $212,000 $138 43
3304 Brighton St 0.65mi 3/1.5 (-1) 1,908 (+12%) 2mo $155,000 $81 41
2822 Harlem Ave 0.61mi 5/3.0 (+1) 1,483 (-13%) 1mo $220,000 $148 35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.38% rent growth · sell at horizon

5-year hold
IRR
-4.5%
Equity multiple
0.83×
Total profit
$-9,596
Equity at exit
$29,806
10-year hold
IRR
7.8%
Equity multiple
1.65×
Total profit
$36,427
Equity at exit
$17,284

Cash invested: $55,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (CITY)
12 Strongly Tenant-Friendly
State Maryland
27 Tenant-Leaning · D+14
County
— inherits STATE
City Baltimore
12 Strongly Tenant-Friendly · D+58
Just-cause for tenancies > 1 yr.

ZIP-level market 21229

Rents YoY
5.4%
Active inventory
256
Price-to-rent
8.0×

Monthly cashflow live

Estimated rent
$2,076 high interval (Pro) →
Mortgage (P&I)
$1,048
Tax from tax record
$231 /mo · $2,768/yr
Insurance
$83
HOA
$0
Vacancy / Maint / Mgmt
$436
Net cashflow
$278

Break-even live

Break-even rent $1,724
Max offer price $199,900
Occupancy floor 82%

Sensitivity live

Price -10% $391 -5% $334 +0% $278 +5% $221 +10% $165
Rent -10% $114 -5% $196 +0% $278 +5% $360 +10% $442
Rate -1.0pp $378 -0.5pp $329 base $278 +0.5pp $226 +1.0pp $173

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$49,975
Closing costs
$5,997
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
730 Linnard St Unit 1 Baltimore, MD 4.0 1.0 1360 $1,750 $1.29 25d 1 0.05mi
780 Linnard St Baltimore, MD 3.0 2.0 1224 $1,590 $1.30 45d 1 0.07mi
787 N Grantley St Baltimore, MD 3.0 1.0 1116 $1,575 $1.41 25d 1 0.08mi
798 N Grantley St Baltimore, MD 3.0 2.0 1360 $2,295 $1.69 25d 1 0.11mi
623 N Grantley St Baltimore, MD 4.0 2.0 1250 $2,000 $1.60 25d 1 0.13mi
3507 Edmondson Ave Baltimore, MD 4.0 2.0 1428 $2,300 $1.61 45d 1 0.16mi
3619 Edmondson Ave Baltimore, MD 4.0 3.5 1962 $2,800 $1.43 45d 1 0.22mi
3712 Gelston Dr Baltimore, MD 3.0 2.0 1250 $2,500 $2.00 25d 1 0.23mi
3700 Woodridge Rd Baltimore, MD 3.0 1.5 1955 $1,950 $1.00 45d 1 0.24mi
405 N Edgewood St Baltimore, MD 4.0 2.0 1408 $2,950 $2.10 5d 1 0.27mi
715 N Rosedale St Baltimore, MD 5.0 3.0 1542 $2,550 $1.65 45d 1 0.37mi
202 N Edgewood St Baltimore, MD 3.0 2.0 1710 $2,250 $1.32 25d 1 0.38mi
3607 W Lexington St Baltimore, MD 3.0 2.0 1050 $1,895 $1.80 5d 1 0.41mi
3015 Rayner Ave Baltimore, MD 3.0 1.0 1152 $1,350 $1.17 45d 1 0.41mi
3238 Westmont Ave Baltimore, MD 3.0 1.0 1280 $1,600 $1.25 45d 1 0.41mi
409 Normandy Ave Baltimore, MD 4.0 1.0 1640 $1,500 $0.91 25d 1 0.43mi
4020 Gelston Dr Baltimore, MD 3.0 2.0 1270 $1,875 $1.48 45d 1 0.44mi
2922 Edmondson Ave Baltimore, MD 3.0 2.0 1620 $1,900 $1.17 45d 1 0.51mi
41 N Kossuth St Baltimore, MD 3.0 2.0 1216 $1,800 $1.48 25d 1 0.55mi
4113 Mountwood Rd Baltimore, MD 3.0 1.0 1520 $1,795 $1.18 45d 1 0.61mi
3309 Brighton St Baltimore, MD 3.0 1.0 1134 $1,700 $1.50 45d 1 0.62mi
1513 N Ellamont St Baltimore, MD 3.0 1.0 1700 $1,700 $1.00 25d 1 0.66mi
2806 Riggs Ave Baltimore, MD 3.0 2.5 1412 $1,900 $1.35 4d 1 0.68mi
3336 W Caton Ave Baltimore, MD 3.0 2.0 1236 $1,625 $1.31 25d 1 0.68mi
2744 W Mosher St Baltimore, MD 4.0 2.0 1412 $2,100 $1.49 25d 1 0.69mi
1530 N Rosedale St Baltimore, MD 3.0 2.0 1641 $1,895 $1.15 16d 1 0.72mi
917 Kevin Rd Baltimore, MD 3.0 2.0 1151 $1,795 $1.56 3d 1 0.72mi
1402 Poplar Grove St Baltimore, MD 4.0 1.5 1540 $800 $0.52 45d 1 0.73mi
1633 N Hilton St Baltimore, MD 4.0 2.5 1920 $2,600 $1.35 19d 1 0.76mi
2728 Winchester St Baltimore, MD 3.0 1.5 1260 $1,800 $1.43 4d 1 0.77mi
2636 Lauretta Ave Baltimore, MD 3.0 2.5 1232 $1,900 $1.54 45d 1 0.80mi
2609 Lauretta Ave Baltimore, MD 3.0 1.0 1286 $1,675 $1.30 25d 1 0.83mi
2800 Presstman St Baltimore, MD 3.0 2.5 1460 $1,799 $1.23 25d 1 0.85mi
117 Collins Ave Baltimore, MD 3.0 3.0 1617 $2,350 $1.45 45d 1 0.90mi
4018 Massachusetts Ave Baltimore, MD 3.0 1.0 1050 $1,400 $1.33 25d 1 0.96mi
212 S Loudon Ave Baltimore, MD 3.0 1.5 1310 $1,550 $1.18 45d 1 0.97mi
111 Upmanor Rd Baltimore, MD 3.0 1.5 1224 $2,163 $1.77 45d 1 0.98mi
2103 Chelsea Ter Unit 2 Baltimore, MD 3.0 1.5 1500 $2,100 $1.40 16d 1 1.10mi
2303 Calverton Heights Ave Baltimore, MD 4.0 2.0 1314 $2,250 $1.71 25d 1 1.13mi
2917 Clifton Ave Baltimore, MD 4.0 4.0 1700 $2,150 $1.26 25d 1 1.13mi

Listing history 45 events

  1. 2026-06-21
    days on market $199,900 Active 177 DOM
  2. 2026-06-18
    days on market $199,900 Active 174 DOM
  3. 2026-06-17
    days on market $199,900 Active 173 DOM
  4. 2026-06-16
    days on market $199,900 Active 172 DOM
  5. 2026-06-15
    days on market $199,900 Active 171 DOM
  6. 2026-06-13
    days on market $199,900 Active 169 DOM
  7. 2026-06-09
    days on market $199,900 Active 165 DOM
  8. 2026-06-08
    days on market $199,900 Active 164 DOM
  9. 2026-06-07
    days on market $199,900 Active 163 DOM
  10. 2026-06-04
    days on market $199,900 Active 160 DOM
  11. 2026-06-03
    days on market $199,900 Active 159 DOM
  12. 2026-06-02
    days on market $199,900 Active 158 DOM
  13. 2026-06-01
    days on market $199,900 Active 157 DOM
  14. 2026-05-31
    days on market $199,900 Active 156 DOM
  15. 2026-04-05
    price $199,900 760-char remark
    Show marketing remark (760 chars)

    MAJOR PRICE REDUCTION FOR A QUICK SALE. HURRY!!! THIS IS A BEAUTIFUL 4 BEDROOM AND A SPACIOUS END OF THE GROUP WITH A GORGEOUS KITCHEN, FULLY FINISHED BASEMENT WITH A CERAMIC TILE PLUS UPDATED BATHROOM ON EVERY LEVEL. THIS HOME QUALIFIES FOR ALL KINDS OF SPECIAL FINANCING WITH ZERO DOWN FHA FINANCING. AGENTS: YOUR CLIENTS CAN MOVE INTO THIS HOME WITH LITTLE OUT OF POCKET CASH. ENJOY THE FULLY FINISHED BASEMENT FOR YOUR ENTERTAINMENTS PLUS 4 BEDROOMS ON THE 2ND LEVEL GREAT FOR A GROWING FAMILY. EASY ACCESS TO 95, MINUTES TO CATONSVILLE, AND LESS THAN 7 MINUTES DRIVE TO SAINT AGNESS HOSPITAL. I WILL RECOMMEND YOU HURRY TO THIS ONE BEFORE ITS GONE. SELLER WILL HELP WITH CLOSING. ASK YOUR LENDER ABOUT AVAILABE FUNDS FOR DOWNPAYMENT FOR FIRST TIME BUYERS.

  16. 2026-04-04
    status Active 760-char remark
    Show marketing remark (760 chars)

    MAJOR PRICE REDUCTION FOR A QUICK SALE. HURRY!!! THIS IS A BEAUTIFUL 4 BEDROOM AND A SPACIOUS END OF THE GROUP WITH A GORGEOUS KITCHEN, FULLY FINISHED BASEMENT WITH A CERAMIC TILE PLUS UPDATED BATHROOM ON EVERY LEVEL. THIS HOME QUALIFIES FOR ALL KINDS OF SPECIAL FINANCING WITH ZERO DOWN FHA FINANCING. AGENTS: YOUR CLIENTS CAN MOVE INTO THIS HOME WITH LITTLE OUT OF POCKET CASH. ENJOY THE FULLY FINISHED BASEMENT FOR YOUR ENTERTAINMENTS PLUS 4 BEDROOMS ON THE 2ND LEVEL GREAT FOR A GROWING FAMILY. EASY ACCESS TO 95, MINUTES TO CATONSVILLE, AND LESS THAN 7 MINUTES DRIVE TO SAINT AGNESS HOSPITAL. I WILL RECOMMEND YOU HURRY TO THIS ONE BEFORE ITS GONE. SELLER WILL HELP WITH CLOSING. ASK YOUR LENDER ABOUT AVAILABE FUNDS FOR DOWNPAYMENT FOR FIRST TIME BUYERS.

  17. 2025-12-13
    historical 760-char remark
    Show marketing remark (760 chars)

    MAJOR PRICE REDUCTION FOR A QUICK SALE. HURRY!!! THIS IS A BEAUTIFUL 4 BEDROOM AND A SPACIOUS END OF THE GROUP WITH A GORGEOUS KITCHEN, FULLY FINISHED BASEMENT WITH A CERAMIC TILE PLUS UPDATED BATHROOM ON EVERY LEVEL. THIS HOME QUALIFIES FOR ALL KINDS OF SPECIAL FINANCING WITH ZERO DOWN FHA FINANCING. AGENTS: YOUR CLIENTS CAN MOVE INTO THIS HOME WITH LITTLE OUT OF POCKET CASH. ENJOY THE FULLY FINISHED BASEMENT FOR YOUR ENTERTAINMENTS PLUS 4 BEDROOMS ON THE 2ND LEVEL GREAT FOR A GROWING FAMILY. EASY ACCESS TO 95, MINUTES TO CATONSVILLE, AND LESS THAN 7 MINUTES DRIVE TO SAINT AGNESS HOSPITAL. I WILL RECOMMEND YOU HURRY TO THIS ONE BEFORE ITS GONE. SELLER WILL HELP WITH CLOSING. ASK YOUR LENDER ABOUT AVAILABE FUNDS FOR DOWNPAYMENT FOR FIRST TIME BUYERS.

  18. 2025-09-05
    listed $220,900 Active 760-char remark
    Show marketing remark (760 chars)

    MAJOR PRICE REDUCTION FOR A QUICK SALE. HURRY!!! THIS IS A BEAUTIFUL 4 BEDROOM AND A SPACIOUS END OF THE GROUP WITH A GORGEOUS KITCHEN, FULLY FINISHED BASEMENT WITH A CERAMIC TILE PLUS UPDATED BATHROOM ON EVERY LEVEL. THIS HOME QUALIFIES FOR ALL KINDS OF SPECIAL FINANCING WITH ZERO DOWN FHA FINANCING. AGENTS: YOUR CLIENTS CAN MOVE INTO THIS HOME WITH LITTLE OUT OF POCKET CASH. ENJOY THE FULLY FINISHED BASEMENT FOR YOUR ENTERTAINMENTS PLUS 4 BEDROOMS ON THE 2ND LEVEL GREAT FOR A GROWING FAMILY. EASY ACCESS TO 95, MINUTES TO CATONSVILLE, AND LESS THAN 7 MINUTES DRIVE TO SAINT AGNESS HOSPITAL. I WILL RECOMMEND YOU HURRY TO THIS ONE BEFORE ITS GONE. SELLER WILL HELP WITH CLOSING. ASK YOUR LENDER ABOUT AVAILABE FUNDS FOR DOWNPAYMENT FOR FIRST TIME BUYERS.

  19. 2016-10-28
    soldstatus $18,800 147-char remark
    Show marketing remark (147 chars)

    Porch front 3 B/R 1 Bath townhouse L/R, D/R, Kitchen, ,basement and backyard. Close to schools, shopping, public transportation and major highways

  20. 2016-10-28
    soldstatus $18,800 Sold
    Show marketing remark (147 chars)

    Porch front 3 B/R 1 Bath townhouse L/R, D/R, Kitchen, ,basement and backyard. Close to schools, shopping, public transportation and major highways

  21. 2016-08-23
    status Contract
  22. 2016-08-03
    status Active
  23. 2016-06-16
    historical
  24. 2016-02-24
    status Contract
  25. 2016-01-30
    price $26,100
  26. 2015-12-19
    price $31,100
  27. 2015-10-26
    listed $36,100 Active
  28. 2009-10-05
    soldstatus $87,500
  29. 2009-09-09
    soldstatus $87,500 Sold
  30. 2009-09-09
    soldstatus $87,500
  31. 2009-07-17
    historical
  32. 2009-07-15
    historical
  33. 2009-07-02
    listed $89,900 Active
  34. 2009-07-02
    listed $89,900
  35. 2004-12-21
    soldstatus $34,900
  36. 2004-11-22
    historical
  37. 2004-08-30
    historical
  38. 2004-08-12
    listed
  39. 2004-08-11
    listed $34,900
  40. 1997-12-19
    soldstatus $61,667
  41. 1997-10-31
    soldstatus $61,667
  42. 1997-10-13
    historical
  43. 1997-08-11
    listed $63,900
  44. 1995-01-23
    historical
  45. 1994-07-23
    listed

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MD · Partial reset (capped growth)

Current annual tax
$2,768 · $231/mo
Projected year-2 tax
$2,768 · $231/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 21% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$24,912
− Mortgage interest
−$11,198
− Property taxes
−$2,768
− Insurance
−$1,000
− Repairs & maintenance
−$1,993
− Management
−$1,993
− Depreciation
−$5,815
Taxable income
$145
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$35
After-tax cash flow
$3,298/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Baltimore City Public Schools
NCES district ID
2400090
Math proficiency
7% ▼ -9.00%
Reading proficiency
16% ▼ -5.00%
Median HH income
$42,108
Composite
10.08/100
National rank
#9805
State rank
#24 of 24 in MD

Livability — Baltimore

Score
76/100
State rank
#90
US rank
#3396

Category grades

Amenities A+ Commute A+ Cost of living A- Crime F Employment C Housing A+ Health & safety A+ User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Baltimore, MD
County
Baltimore City · 558,601 people
City population
588,727
Metro
Baltimore-Columbia-Towson, MD
Population (ZIP)
46,679
Household income
$60,047
Rent vs Own
43.1% rent · 56.9% own
Severe rent burden
2776.0

Population outlook (Baltimore County) Hauer SSP2

Today (2025)
624,249 people
By 2030
621,541 · -0.4%
By 2040
609,756 · -2.3%
By 2050
597,249 · -4.3%
By 2075
552,236 · -11.5%
By 2100
513,934 · -17.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Black (73%)
Race & ethnicity
Black 73% White 15% Hispanic / Latino 6% Two or more races 4% Asian 3%
Hispanic origin (detail)
Common ancestry
Lithuanian 1% Romanian 1% Serbian 1%
Foreign-born
5% · Canada, Philippines
Languages at home
91% English-only · Spanish 4% Other Indo-European 2% Other Asian/Pacific 1%

Political lean MEDSL · Baltimore

2024 margin
Solid D (+73.0) · D 85.2% · R 12.2% · Other 2.6%
2008→2024 swing
-2.5pp toward R · 2008: 75.5pp · 2024: 73.0pp
All cycles
2024: D+73.0 2020: D+76.6 2016: D+74.6 2012: D+76.4 2008: D+75.5

Not yet ingested

Civics

Market trends

HPI YoY
▼ -259.07%
Current HPI
226.896
Rent YoY
▲ 5.38%
Metro
Baltimore-Columbia-Towson, MD
State GDP YoY
▲ 2.97%
F500 in state
12

Industry mix (Fortune 500 HQ in MD)

Industry F500 HQs Revenue

Price history

+212.8% since first listed
31 events — show timeline
  • 2026-04-05 Price Changed $199,900 BRIGHT MLS
  • 2026-04-04 Relisted BRIGHT MLS
  • 2025-12-13 Listing Removed BRIGHT MLS
  • 2025-09-05 Listed $220,900 BRIGHT MLS
  • 2016-10-28 Sold (MLS) $18,800 MRIS
  • 2016-10-28 Sold (MLS) $18,800 BRIGHT MLS
  • 2016-08-23 Pending MRIS
  • 2016-08-03 Relisted MRIS
  • 2016-06-16 Delisted MRIS
  • 2016-02-24 Pending MRIS
  • 2016-01-30 Price Changed $26,100 MRIS
  • 2015-12-19 Price Changed $31,100 MRIS
  • 2015-10-26 Listed $36,100 MRIS
  • 2009-10-05 Sold (Public Records) $87,500 Public Records
  • 2009-09-09 Sold (MLS) $87,500 BRIGHT MLS
  • 2009-09-09 Sold (MLS) $87,500 MRIS
  • 2009-07-17 Delisted MRIS
  • 2009-07-15 Listing Removed BRIGHT MLS
  • 2009-07-02 Listed $89,900 MRIS
  • 2009-07-02 Listed $89,900 BRIGHT MLS
  • 2004-12-21 Sold (MLS) $34,900 MRIS
  • 2004-11-22 Delisted MRIS
  • 2004-08-30 Delisted MRIS
  • 2004-08-12 Listed MRIS
  • 2004-08-11 Listed $34,900 MRIS
  • 1997-12-19 Sold (Public Records) $61,667 Public Records
  • 1997-10-31 Sold (MLS) $61,667 MRIS
  • 1997-10-13 Delisted MRIS
  • 1997-08-11 Listed $63,900 MRIS
  • 1995-01-23 Delisted MRIS
  • 1994-07-23 Listed MRIS

Property tax history

+2.7%/yr

Latest (2025): $2,768 · +11.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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