CashFlowRE
Sign in Sign up
511 E Cold Spring Ln
B- Composite 68.24
Why this score? — see what drove the B- 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 +30.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • ARV discount +7.5/15.0
  • Livability +3.8/5.0
  • Rent growth +3.7/5.0
  • Condition / age +2.2/5.0
  • Schools +1.0/10.0
  • Appreciation +0.0/10.0

$79,200

511 E Cold Spring Ln · Baltimore, MD 21212
3 bd · 2.0 ba · 1,114 sqft · Townhouse public records · 121 Days on market
Built 1941 Fair condition 1,740 sqft lot $71/sqft · 52% below area ↓ 24% since listing

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

Listing remarks

Built in 1941, this attached townhome offers approximately 1114 finished square feet, three bedrooms and two full baths, unfinished basement and covered front porch. This home sits on an approximate 1740 sqft lot.

Key facts

  • Built 1941
  • Listed 120 days

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath townhouse listed at $79k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $819 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $79k).
  • Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
  • Cap rate 18.7% 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: 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.
  • Zoned schools: Elmer A. Henderson: A Johns Hopkins Partnership (math 2% / reading 16%, grade F, #650 of 860 statewide, top 77%, 642 students, 80% FRL); Baltimore Polytechnic Institute (math 71% / reading 84%, grade A-, #22 of 222 statewide, top 10%, 1,555 students, 43% FRL) — zoned schools average 62% FRL vs 79% district-wide (17 pts lower); this property's tenant base skews higher-income than the district average.
  • Zoned-school proficiency averages 43% at this address vs 12% district-wide (+32 pts) — the actual schools serving this property are materially stronger than the Baltimore City Public Schools average implies; a family-tenant draw the district grade alone would hide.
  • Market conditions: Rents rising fast (+4.7%/yr); 185 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 54d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 80% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $548 of loan paydown is wiped out by about $2k 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.
  • At projected returns (-3.0% appreciation + 4.7% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 121 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $69,696 (12.0% below list)

Questions for the listing agent

  1. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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?
  8. 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.
  9. 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.
  10. 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
2.28%
Cap rate
18.71%
Cash-on-cash
44.33%
DSCR
2.97
GRM
3.7

CMA / ARV

ARV (median comp)
$164,671
List price
$79,200
Delta
-51.90%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
351 Homeland Southway Unit 3D 0.50mi 2/2.0 (-1) 1,113 (-0%) 1mo $185,000 $166 70
5204 Ivanhoe Ave 0.51mi 3/2.0 1,080 (-3%) 1mo $150,000 $139 70
739 Springfield Ave 0.39mi 3/1.0 1,160 (+4%) 4mo $125,000 $108 68
800 Radnor Ave 0.25mi 3/1.5 1,224 (+10%) 4mo $99,900 $82 67
812 Mccabe Ave 0.50mi 3/1.0 1,080 (-3%) 3mo $150,000 $139 65
608 Springfield Ave 0.37mi 3/1.0 1,220 (+10%) 2mo $110,000 $90 61
918 Argonne Dr 0.62mi 3/1.0 1,080 (-3%) 1mo $156,500 $145 61
331 Homeland Southway Unit 3B 0.56mi 2/2.0 (-1) 1,066 (-4%) 1mo $210,000 $197 61
355 Homeland Southway Unit 2B 0.48mi 2/1.5 (-1) 1,043 (-6%) 2mo $205,000 $197 58
827 Belgian Ave 0.47mi 3/2.0 1,260 (+13%) 3mo $130,000 $103 54
1312 E Cold Spring Ln 0.75mi 3/1.0 1,216 (+9%) 3mo $147,000 $121 44
934 Argonne Dr 0.60mi 3/1.0 1,260 (+13%) 4mo $130,000 $103 42

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 · 4.65% rent growth · sell at horizon

5-year hold
IRR
43.3%
Equity multiple
2.91×
Total profit
$42,462
Equity at exit
$11,809
10-year hold
IRR
50.1%
Equity multiple
6.29×
Total profit
$117,371
Equity at exit
$6,848

Cash invested: $22,176 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
53 active · 33 under contract
Months of supply
6.8 mo (15%/mo absorbed)
Median asking
$171,000 ($160/sqft)
Median days on market
51 d
This list price
9% of active listings are priced below it
ARV vs active asking
-7.3% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 21212

Rents YoY
4.7%
Active inventory
185
Price-to-rent
3.7×

Monthly cashflow live

Estimated rent
$1,807 high interval (Pro) →
Mortgage (P&I)
$415
Tax from tax record
$160 /mo · $1,918/yr
Insurance
$33
HOA
$0
Vacancy / Maint / Mgmt
$379
Net cashflow
$819

Break-even live

Break-even rent $770
Max offer price $79,200
Occupancy floor 50%

Sensitivity live

Price -10% $864 -5% $842 +0% $819 +5% $797 +10% $774
Rent -10% $677 -5% $748 +0% $819 +5% $891 +10% $962
Rate -1.0pp $859 -0.5pp $839 base $819 +0.5pp $799 +1.0pp $778

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
$19,800
Closing costs
$2,376
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
519 E Cold Spring Ln Baltimore, MD 3.0 1.5 1298 $1,910 $1.47 21d 1 0.02mi
531 Willow Ave Unit Na Baltimore, MD 4.0 1.0 1300 $1,800 $1.38 69d 1 0.10mi
514 Oakland Ave Baltimore, MD 3.0 1.5 1380 $2,300 $1.67 12d 1 0.16mi
4407 Old York Rd Baltimore, MD 3.0 1.5 1356 $1,574 $1.16 69d 1 0.17mi
4407 Old York Rd Baltimore, MD 3.0 1.5 1356 $1,574 $1.16 93d 1 0.17mi
835 E Cold Spring Ln Baltimore, MD 2.0 1.5 997 $1,400 $1.40 73d 1 0.27mi
543 Chateau Ave Baltimore, MD 3.0 2.0 1152 $1,900 $1.65 53d 1 0.32mi
416 Winston Ave Unit 426-01 Baltimore, MD 2.0 1.0 890 $1,250 $1.40 93d 1 0.32mi
416 Winston Ave Unit 426-08 Baltimore, MD 2.0 1.0 790 $950 $1.20 17d 1 0.32mi
5001 Midwood Ave Apt 2A Baltimore, MD 2.0 1.0 750 $1,265 $1.69 93d 1 0.37mi
720 Springfield Ave Baltimore, MD 3.0 1.0 1160 $2,000 $1.72 93d 1 0.37mi
815 Gilrubin Ct Baltimore, MD 2.0 1.0 900 $1,695 $1.88 93d 1 0.42mi
812 Nat Ct Apt 12 Baltimore, MD 2.0 1.0 900 $1,295 $1.44 93d 1 0.45mi
711 1/2 McCabe Ave Baltimore, MD 4.0 3.0 1204 $2,350 $1.95 53d 1 0.45mi
5200 Ready Ave Baltimore, MD 3.0 1.5 1116 $1,950 $1.75 53d 1 0.49mi
929 E 41st St Baltimore, MD 3.0 1.0 1260 $1,900 $1.51 23d 1 0.55mi
5307 York Rd Baltimore, MD 2.0 1.0 1120 $1,200 $1.07 93d 1 0.57mi
956 Argonne Dr Baltimore, MD 2.0 1.0 630 $1,195 $1.90 9d 8 0.59mi
1260 Rossiter Ave Baltimore, MD 2.0 1.0 710 $1,280 $1.80 9d 32 0.63mi
1224 Winston Ave Baltimore, MD 3.0 2.0 1248 $2,100 $1.68 67d 1 0.65mi
1275 Kitmore Rd Unit 1231B-T Baltimore, MD 2.0 1.0 811 $1,485 $1.83 28d 1 0.71mi
1275 Kitmore Rd Unit 1221B-T Baltimore, MD 2.0 1.0 811 $1,560 $1.92 73d 1 0.71mi
1275 Kitmore Rd Unit 1267K-T Baltimore, MD 2.0 1.0 827 $1,585 $1.92 93d 1 0.71mi
1275 Kitmore Rd Unit 1245K-T Baltimore, MD 3.0 1.0 935 $1,895 $2.03 53d 1 0.71mi
1275 Kitmore Rd Unit 1276B-A Baltimore, MD 2.0 1.0 812 $1,360 $1.67 93d 1 0.71mi
1275 Kitmore Rd Unit 1215B-T Baltimore, MD 2.0 1.0 811 $1,435 $1.77 53d 1 0.71mi
1275 Kitmore Rd Unit 1260K-T Baltimore, MD 2.0 1.0 811 $1,410 $1.74 53d 1 0.71mi
1275 Kitmore Rd Baltimore, MD 2.0 1.0 827 $1,525 $1.84 93d 1 0.71mi
1275 Kitmore Rd Unit 1263K-T Baltimore, MD 2.0 1.0 811 $1,485 $1.83 53d 1 0.71mi
1275 Kitmore Rd Baltimore, MD 3.0 1.0 935 $1,895 $2.03 41d 1 0.71mi
1275 Kitmore Rd Unit 1245B-T Baltimore, MD 2.0 1.0 811 $1,535 $1.89 35d 1 0.71mi
1275 Kitmore Rd Unit 1248B-A Baltimore, MD 2.0 1.0 812 $1,360 $1.67 53d 1 0.71mi
1275 Kitmore Rd Unit 1259K-T Baltimore, MD 2.0 1.0 811 $1,535 $1.89 53d 1 0.71mi
1275 Kitmore Rd Unit 1262B-A Baltimore, MD 2.0 1.0 923 $1,320 $1.43 51d 1 0.71mi
3800 Old York Rd Baltimore, MD 3.0 1.5 1360 $2,007 $1.48 41d 1 0.71mi
1221 Glenwood Ave Baltimore, MD 3.0 2.0 1390 $2,595 $1.87 93d 1 0.75mi
3721 Ellerslie Ave Baltimore, MD 1.0–3.0 1.0–2.0 924 $1,603 $1.73 47d 1 0.79mi
612 Chestnut Hill Ave Unit 1 Baltimore, MD 2.0 1.0 900 $1,799 $2.00 41d 1 0.82mi
3820 Elkader Rd Baltimore, MD 3.0 1.5 1082 $1,899 $1.76 21d 1 0.84mi
1006 Cameron Rd Baltimore, MD 2.0 1.0 1032 $950 $0.92 93d 1 0.87mi

Property features AI

Exterior

Utilities
Public waterPublic sewer
Home design
Interior townhouse/rowhouseFee simple ownership
Construction
Brick constructionShingle roofOther foundationBuilt year per assessor
Exterior features
Not on tidal waterAbove-grade and below-grade other structures

Interior

Bedrooms
3 bedrooms on main level
Bathrooms
2 full bathrooms (both on main level)
Heating & cooling
Radiator heatingOther cooling
Interior features
Unfinished basement6 total rooms

Listing history 50 events

  1. 2026-08-08
    days on market $79,200 Active 121 DOM
  2. 2026-08-06
    days on market $79,200 Active 119 DOM
  3. 2026-08-05
    days on market $79,200 Active 118 DOM
  4. 2026-08-04
    days on market $79,200 Active 117 DOM
  5. 2026-08-03
    days on market $79,200 Active 116 DOM
  6. 2026-07-31
    days on market $79,200 Active 113 DOM
  7. 2026-07-30
    days on market $79,200 Active 111 DOM
  8. 2026-07-28
    days on market $79,200 Active 110 DOM
  9. 2026-07-26
    days on market $79,200 Active 108 DOM
  10. 2026-07-24
    days on market $79,200 Active 106 DOM
  11. 2026-07-23
    days on market $79,200 Active 105 DOM
  12. 2026-07-22
    days on market $79,200 Active 104 DOM
  13. 2026-07-21
    days on market $79,200 Active 103 DOM
  14. 2026-07-20
    days on market $79,200 Active 102 DOM
  15. 2026-07-18
    days on market $79,200 Active 100 DOM
  16. 2026-07-18
    days on market $79,200 Active 99 DOM
  17. 2026-07-16
    days on market $79,200 Active 98 DOM
  18. 2026-07-15
    days on market $79,200 Active 97 DOM
  19. 2026-07-14
    days on market $79,200 Active 96 DOM
  20. 2026-07-13
    pricedays on market $79,200 Active 95 DOM
  21. 2026-07-13
    days on market $84,200 Active 94 DOM
  22. 2026-07-11
    days on market $84,200 Active 93 DOM
  23. 2026-07-10
    days on market $84,200 Active 92 DOM
  24. 2026-07-09
    days on market $84,200 Active 91 DOM
  25. 2026-07-07
    days on market $84,200 Active 89 DOM
  26. 2026-07-06
    days on market $84,200 Active 88 DOM
  27. 2026-07-05
    days on market $84,200 Active 87 DOM
  28. 2026-07-03
    days on market $84,200 Active 85 DOM
  29. 2026-07-02
    days on market $84,200 Active 84 DOM
  30. 2026-07-01
    days on market $84,200 Active 83 DOM
  31. 2026-06-30
    days on market $84,200 Active 82 DOM
  32. 2026-06-29
    days on market $84,200 Active 81 DOM
  33. 2026-06-28
    days on market $84,200 Active 80 DOM
  34. 2026-06-27
    pricedays on market $84,200 Active 79 DOM
  35. 2026-06-26
    days on market $89,200 Active 78 DOM
  36. 2026-06-24
    days on market $89,200 Active 76 DOM
  37. 2026-06-22
    days on market $89,200 Active 74 DOM
  38. 2026-06-21
    days on market $89,200 Active 73 DOM
  39. 2026-06-18
    days on market $89,200 Active 70 DOM
  40. 2026-06-17
    days on market $89,200 Active 69 DOM
  41. 2026-06-16
    days on market $89,200 Active 68 DOM
  42. 2026-06-15
    days on market $89,200 Active 67 DOM
  43. 2026-06-13
    pricedays on market $89,200 Active 65 DOM
  44. 2026-06-09
    days on market $93,400 Active 61 DOM
  45. 2026-06-08
    days on market $93,400 Active 60 DOM
  46. 2026-06-07
    days on market $93,400 Active 59 DOM
  47. 2026-06-04
    days on market $93,400 Active 56 DOM
  48. 2026-06-03
    days on market $93,400 Active 55 DOM
  49. 2026-06-02
    days on market $93,400 Active 54 DOM
  50. 2026-06-01
    days on market $93,400 Active 53 DOM

ⓘ 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
$1,918 · $160/mo
Projected year-2 tax
$1,918 · $160/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 6/10 Major 27% chance of damaging wind over 30 yrs
  • 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 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
$21,683
− Mortgage interest
−$4,436
− Property taxes
−$1,918
− Insurance
−$396
− Repairs & maintenance
−$1,735
− Management
−$1,735
− Depreciation
−$2,304
Taxable income
$9,159
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,198
After-tax cash flow
$7,633/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.

Condition & rehab AI · 2 photos

Fair 45/100 Moderate rehab Est. rehab $27,850–$50,130 screening

This attached townhouse requires significant repairs and updates to its roof, exterior, interior, and HVAC systems. Improvements in these areas will significantly increase its resale and rental value.

Deferred maintenance Est. $40,000–$120,000 screening

  • Major Roof (roof) — Signs of significant damage or wear on the roof
  • Major Windows (windows) — Visible damage or wear on the windows
  • Major Electrical (electrical) — Signs of wear or damage on the electrical components
  • Major Exterior (exterior) — Signs of significant wear or damage on the exterior

Repairs flagged

  • Major roof — Signs of wear and discoloration indicate significant damage.
  • Moderate exterior siding — Some discoloration and minor damage are visible.
  • Moderate front porch — Peeling paint and structural issues are present.
  • Minor landscaping — Overgrown grass and lack of decorative elements.
  • Minor fencing — Some wear and tear is visible.
  • Major interior walls and paint — Peeling paint and outdated colors indicate significant wear.
  • Major kitchen and bathrooms — Outdated fixtures and signs of wear and tear.
  • Major flooring — Old and possibly in need of replacement.
  • Major HVAC and mechanical systems — Outdated and may need replacement.
  • Major unfinished basement — Potential structural issues or water damage need addressing.

Value-add opportunities

  • Both roof replacement — A new roof will significantly improve the home's appearance and value.
  • Both exterior siding and paint — Updating the siding and repainting will enhance curb appeal and value.
  • Both HVAC and mechanical systems upgrade — Upgrading these systems will improve comfort and energy efficiency, increasing both resale and rental value.
  • Both kitchen and bathroom updates — Modernizing the kitchen and bathrooms will make the home more attractive and functional, increasing both resale and rental value.
  • Both flooring replacement — Replacing old flooring with new, durable options will improve the home's appearance and value.
  • Both landscaping and curb appeal improvements — Enhancing the landscaping and curb appeal will make the home more attractive and increase its value.
  • Both painting interior walls and updating fixtures — Updating the interior paint and fixtures will make the home more attractive and functional, increasing both resale and rental value.
  • Both structural repairs to unfinished basement — Addressing any structural issues in the unfinished basement will improve the home's safety and value, increasing both resale and rental value.

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 10/100

Zoned Schools

Elementary New Song Academy F MD #699/860 Nat'l #40,092/41,679 Middle Stadium School F MD #222/225 Nat'l #13,801/14,009 High Mergenthaler Vocational-Technical High F MD #178/222 Nat'l #14,759/17,239

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
B Composite livability gradescore 76/100

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 · 624,249 people
City population
588,727
Metro
Baltimore-Columbia-Towson, MD
Population (ZIP)
33,974
Household income
$96,685
Rent vs Own
31.2% rent · 68.8% own
Severe rent burden
7% of renters

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
Diverse neighborhood (Simpson 0.64)
Race & ethnicity
White 49% Black 35% Two or more races 9% Hispanic / Latino 7% Asian 4%
Hispanic origin (detail)
Mexican 1% Puerto Rican 1%
Common ancestry
Romanian 3% Italian 2% Slovak 2%
Foreign-born
9% · Canada, China
Languages at home
87% English-only · Spanish 5% Other Indo-European 2% French/Haitian/Cajun 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

Price history

-24.3% since first listed
6 events — show timeline
  • 2026-06-26 Price Changed $84,200 BRIGHT MLS
  • 2026-06-10 Price Changed $89,200 BRIGHT MLS
  • 2026-05-26 Price Changed $93,400 BRIGHT MLS
  • 2026-05-11 Price Changed $97,600 BRIGHT MLS
  • 2026-04-24 Price Changed $105,000 BRIGHT MLS
  • 2026-04-09 Listed $111,300 BRIGHT MLS

Property tax history

-1.9%/yr

Latest (2025): $1,918 · +1.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…