3108 Ferndale Ave · Baltimore, MD
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 7/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 5/10 · Moderate
- Chance of severe wind over 30 yrs
- 23.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D 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 +10.0/30.0
- Appreciation +9.8/10.0
- ARV discount +5.6/15.0
- Rent growth +3.8/5.0
- Livability +3.8/5.0
- 1% rule +2.8/10.0
- DSCR +2.8/10.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
$389,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Introducing a beautifully updated and exceptionally spacious residence offering six bedrooms and two full bathrooms across multiple thoughtfully designed levels. This home blends modern updates, generous living spaces, and abundant natural light to create a warm and inviting atmosphere throughout. Upon entry, you are welcomed by recessed lighting and an abundance of natural light pouring through the home's windows, immediately highlighting the open and airy feel of the main level. Hardwood flooring, modern paint tones, and recessed lighting throughout the main level elevate the living spaces while creating a bright, contemporary setting perfect for everyday living and entertaining. The renovated kitchen serves as the heart of the home, featuring sleek stainless steel appliances, quartz countertops, and a sunlit breakfast area with direct access to the patio, ideal for indoor-outdoor gatherings. The secondary and third levels feature fresh carpet and generously sized bedrooms, providing comfort and flexibility for a variety of living arrangements. The upper level offers four spacious bedrooms and a full bathroom, while the main level includes an additional bedroom and full bath, ideal for guests, multi-generational living, or a private home office. One of the home's standout spaces is the versatile third-level retreat, offering an additional bedroom or recreation room highlighted by a striking wall of windows that fills the space with natural light, making it perfect for a media room, lounge, creative studio, or additional living area. The fully finished lower level adds even more flexibility, featuring an additional bedroom and a newly renovated bathroom with a modern industrial-inspired design, creating an ideal space for guests, extended living, or entertainment. Outside, the expansive backyard offers ample room for gatherings, play, or peaceful outdoor relaxation. Perfectly positioned in Baltimore County, this home offers convenient access to shopping, dining, parks, and major commuter routes, making it an exceptional opportunity for buyers seeking space, style, and convenience.
Key facts
- 7,200 sq ft lot
- Built 1920
- Listed 97 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 6-bed/2.0-bath single-family listed at $389k.
Deal economics
- At list price, monthly cash flow is $-236 ($-3k/yr) — negative.
- To cash-flow at today's rent, offer at most $347k (10.7% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $303k (22.1% below list).
- Recommended offer: $303k (22.1% below list) — sets the bar for 1% rule.
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 (+5.2%/yr); 126 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- At $3,031/mo this rent would consume 54% of the median local household income ($67k/yr) (locally 2139% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- In year one you build about $40k of equity ($3k loan paydown + $37k appreciation (9.5% local appreciation)).
- Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- By year 2, paydown + projected appreciation supports a ~$64k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 97 days — a 9% lower offer ($354k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 3y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: moderate wind risk, 23% 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.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 97 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
- Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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.
- 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.
- 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
- 0.78% ✗
- Cap rate
- 5.57%
- Cash-on-cash
- -2.60%
- DSCR
- 0.88
- GRM
- 10.7
CMA / ARV
- ARV (median comp)
- $373,261
- List price
- $389,000
- Delta
- 4.22%
- 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 |
|---|---|---|---|---|---|---|---|
| 3001 Ferndale Ave | 0.18mi | 6/3.0 | 2,462 (-11%) | 9mo | $375,000 | $152 | 63 |
| 3118 Ferndale | 0.06mi | 5/3.0 (-1) | 3,038 (+10%) | 12mo | $545,000 | $179 | 61 |
| 2813 Gwynnview Rd | 0.60mi | 6/4.0 | 2,784 (+1%) | 3mo | $460,000 | $165 | 60 |
| 4300 Springdale Ave | 0.65mi | 7/2.0 (+1) | 2,729 (-1%) | 7mo | $220,000 | $81 | 57 |
| 5517 Haddon Ave | 0.68mi | 6/2.0 | 2,852 (+4%) | 7mo | $219,900 | $77 | 57 |
| 5314 Gwynn Oak Ave | 0.26mi | 6/3.5 | 2,564 (-7%) | 17mo | $406,500 | $159 | 56 |
| 5325 Wesley | 0.36mi | 5/3.5 (-1) | 2,790 (+1%) | 18mo | $368,000 | $132 | 55 |
| 3018 Ferndale Ave | 0.07mi | 5/3.5 (-1) | 3,040 (+10%) | 18mo | $415,000 | $137 | 54 |
| 4404 Carleview Rd | 0.49mi | 6/3.5 | 3,016 (+9%) | 8mo | $485,000 | $161 | 49 |
| 3607 Mohawk Ave | 0.64mi | 5/2.0 (-1) | 2,520 (-9%) | 9mo | $243,100 | $96 | 43 |
| 5362 Liberty Hts | 0.50mi | 5/3.5 (-1) | 2,903 (+5%) | 18mo | $387,500 | $133 | 42 |
| 3708 Mohawk Ave | 0.72mi | 5/4.0 (-1) | 2,468 (-10%) | 3mo | $375,000 | $152 | 34 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
9.5% appreciation · 5.23% rent growth · sell at horizon
- IRR
- 22.1%
- Equity multiple
- 2.75×
- Total profit
- $190,538
- Equity at exit
- $336,332
- IRR
- 20.4%
- Equity multiple
- 6.37×
- Total profit
- $585,193
- Equity at exit
- $710,806
Cash invested: $108,920 (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
ZIP-level market 21207
- Home prices YoY
- 1.1%
- Rents YoY
- 5.2%
- Active inventory
- 126
- Price-to-rent
- 10.7×
Monthly cashflow live
- Estimated rent
- $3,031 medium interval (Pro) →
- Mortgage (P&I)
- −$2,040
- Tax from tax record
- −$428 /mo · $5,137/yr
- Insurance
- −$162
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$636
- Net cashflow
- $-236
Break-even live
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
- $97,250
- Closing costs
- $11,670
- 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 2 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4029 Fairview Ave Baltimore, MD | 5.0 | 4.5 | 2653 | $3,200 | $1.21 | 44d | 1 | 0.97mi |
| 2510 Roslyn Ave Baltimore, MD | 6.0 | 5.0 | 2663 | $4,200 | $1.58 | 44d | 1 | 1.48mi |
Listing history 28 events
-
2026-06-18days on market $389,000 Active 97 DOM
-
2026-06-17days on market $389,000 Active 96 DOM
-
2026-06-16days on market $389,000 Active 95 DOM
-
2026-06-15days on market $389,000 Active 94 DOM
-
2026-06-13days on market $389,000 Active 92 DOM
-
2026-06-09days on market $389,000 Active 88 DOM
-
2026-06-08days on market $389,000 Active 87 DOM
-
2026-06-07days on market $389,000 Active 86 DOM
-
2026-06-04days on market $389,000 Active 83 DOM
-
2026-06-03days on market $389,000 Active 82 DOM
-
2026-06-02days on market $389,000 Active 81 DOM
-
2026-06-01days on market $389,000 Active 80 DOM
-
2026-05-31days on market $389,000 Active 79 DOM
-
2026-05-07price $389,000 2118-char remark
Show marketing remark (2118 chars)
Introducing a beautifully updated and exceptionally spacious residence offering six bedrooms and two full bathrooms across multiple thoughtfully designed levels. This home blends modern updates, generous living spaces, and abundant natural light to create a warm and inviting atmosphere throughout. Upon entry, you are welcomed by recessed lighting and an abundance of natural light pouring through the home's windows, immediately highlighting the open and airy feel of the main level. Hardwood flooring, modern paint tones, and recessed lighting throughout the main level elevate the living spaces while creating a bright, contemporary setting perfect for everyday living and entertaining. The renovated kitchen serves as the heart of the home, featuring sleek stainless steel appliances, quartz countertops, and a sunlit breakfast area with direct access to the patio, ideal for indoor-outdoor gatherings. The secondary and third levels feature fresh carpet and generously sized bedrooms, providing comfort and flexibility for a variety of living arrangements. The upper level offers four spacious bedrooms and a full bathroom, while the main level includes an additional bedroom and full bath, ideal for guests, multi-generational living, or a private home office. One of the home's standout spaces is the versatile third-level retreat, offering an additional bedroom or recreation room highlighted by a striking wall of windows that fills the space with natural light, making it perfect for a media room, lounge, creative studio, or additional living area. The fully finished lower level adds even more flexibility, featuring an additional bedroom and a newly renovated bathroom with a modern industrial-inspired design, creating an ideal space for guests, extended living, or entertainment. Outside, the expansive backyard offers ample room for gatherings, play, or peaceful outdoor relaxation. Perfectly positioned in Baltimore County, this home offers convenient access to shopping, dining, parks, and major commuter routes, making it an exceptional opportunity for buyers seeking space, style, and convenience.
-
2026-04-08price $394,000 2118-char remark
Show marketing remark (2118 chars)
Introducing a beautifully updated and exceptionally spacious residence offering six bedrooms and two full bathrooms across multiple thoughtfully designed levels. This home blends modern updates, generous living spaces, and abundant natural light to create a warm and inviting atmosphere throughout. Upon entry, you are welcomed by recessed lighting and an abundance of natural light pouring through the home's windows, immediately highlighting the open and airy feel of the main level. Hardwood flooring, modern paint tones, and recessed lighting throughout the main level elevate the living spaces while creating a bright, contemporary setting perfect for everyday living and entertaining. The renovated kitchen serves as the heart of the home, featuring sleek stainless steel appliances, quartz countertops, and a sunlit breakfast area with direct access to the patio, ideal for indoor-outdoor gatherings. The secondary and third levels feature fresh carpet and generously sized bedrooms, providing comfort and flexibility for a variety of living arrangements. The upper level offers four spacious bedrooms and a full bathroom, while the main level includes an additional bedroom and full bath, ideal for guests, multi-generational living, or a private home office. One of the home's standout spaces is the versatile third-level retreat, offering an additional bedroom or recreation room highlighted by a striking wall of windows that fills the space with natural light, making it perfect for a media room, lounge, creative studio, or additional living area. The fully finished lower level adds even more flexibility, featuring an additional bedroom and a newly renovated bathroom with a modern industrial-inspired design, creating an ideal space for guests, extended living, or entertainment. Outside, the expansive backyard offers ample room for gatherings, play, or peaceful outdoor relaxation. Perfectly positioned in Baltimore County, this home offers convenient access to shopping, dining, parks, and major commuter routes, making it an exceptional opportunity for buyers seeking space, style, and convenience.
-
2026-03-14$399,000 Active 2118-char remark
Show marketing remark (2118 chars)
Introducing a beautifully updated and exceptionally spacious residence offering six bedrooms and two full bathrooms across multiple thoughtfully designed levels. This home blends modern updates, generous living spaces, and abundant natural light to create a warm and inviting atmosphere throughout. Upon entry, you are welcomed by recessed lighting and an abundance of natural light pouring through the home's windows, immediately highlighting the open and airy feel of the main level. Hardwood flooring, modern paint tones, and recessed lighting throughout the main level elevate the living spaces while creating a bright, contemporary setting perfect for everyday living and entertaining. The renovated kitchen serves as the heart of the home, featuring sleek stainless steel appliances, quartz countertops, and a sunlit breakfast area with direct access to the patio, ideal for indoor-outdoor gatherings. The secondary and third levels feature fresh carpet and generously sized bedrooms, providing comfort and flexibility for a variety of living arrangements. The upper level offers four spacious bedrooms and a full bathroom, while the main level includes an additional bedroom and full bath, ideal for guests, multi-generational living, or a private home office. One of the home's standout spaces is the versatile third-level retreat, offering an additional bedroom or recreation room highlighted by a striking wall of windows that fills the space with natural light, making it perfect for a media room, lounge, creative studio, or additional living area. The fully finished lower level adds even more flexibility, featuring an additional bedroom and a newly renovated bathroom with a modern industrial-inspired design, creating an ideal space for guests, extended living, or entertainment. Outside, the expansive backyard offers ample room for gatherings, play, or peaceful outdoor relaxation. Perfectly positioned in Baltimore County, this home offers convenient access to shopping, dining, parks, and major commuter routes, making it an exceptional opportunity for buyers seeking space, style, and convenience.
-
2026-03-07historical $399,000 2118-char remark
Show marketing remark (2118 chars)
Introducing a beautifully updated and exceptionally spacious residence offering six bedrooms and two full bathrooms across multiple thoughtfully designed levels. This home blends modern updates, generous living spaces, and abundant natural light to create a warm and inviting atmosphere throughout. Upon entry, you are welcomed by recessed lighting and an abundance of natural light pouring through the home's windows, immediately highlighting the open and airy feel of the main level. Hardwood flooring, modern paint tones, and recessed lighting throughout the main level elevate the living spaces while creating a bright, contemporary setting perfect for everyday living and entertaining. The renovated kitchen serves as the heart of the home, featuring sleek stainless steel appliances, quartz countertops, and a sunlit breakfast area with direct access to the patio, ideal for indoor-outdoor gatherings. The secondary and third levels feature fresh carpet and generously sized bedrooms, providing comfort and flexibility for a variety of living arrangements. The upper level offers four spacious bedrooms and a full bathroom, while the main level includes an additional bedroom and full bath, ideal for guests, multi-generational living, or a private home office. One of the home's standout spaces is the versatile third-level retreat, offering an additional bedroom or recreation room highlighted by a striking wall of windows that fills the space with natural light, making it perfect for a media room, lounge, creative studio, or additional living area. The fully finished lower level adds even more flexibility, featuring an additional bedroom and a newly renovated bathroom with a modern industrial-inspired design, creating an ideal space for guests, extended living, or entertainment. Outside, the expansive backyard offers ample room for gatherings, play, or peaceful outdoor relaxation. Perfectly positioned in Baltimore County, this home offers convenient access to shopping, dining, parks, and major commuter routes, making it an exceptional opportunity for buyers seeking space, style, and convenience.
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2025-02-05soldstatus $362,500
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2025-01-15soldstatus $362,500 Closed 598-char remark
Show marketing remark (598 chars)
A rear opportunity to own beautiful single house here, 6 bedrooms, 2 full bathrooms home with new hardwood flooring and new carpet. New kitchen, new bathrooms, new HVAC, new water heater, new flooring. Living room with stylish color of paint, newly finished breakfast area and kitchen. Kitchen with SS appliances, quartz countertops, walk-out to patio. Upper level has 4 bedrooms and full bathroom. 1 bedrooms and a full bath on the main level. Lower level fully finished 1 bedroom and 1 brand new bathroom with modern industrial look. Big backyard. Great location, many convenient shops near by!!!
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2024-12-30status Pending 598-char remark
Show marketing remark (598 chars)
A rear opportunity to own beautiful single house here, 6 bedrooms, 2 full bathrooms home with new hardwood flooring and new carpet. New kitchen, new bathrooms, new HVAC, new water heater, new flooring. Living room with stylish color of paint, newly finished breakfast area and kitchen. Kitchen with SS appliances, quartz countertops, walk-out to patio. Upper level has 4 bedrooms and full bathroom. 1 bedrooms and a full bath on the main level. Lower level fully finished 1 bedroom and 1 brand new bathroom with modern industrial look. Big backyard. Great location, many convenient shops near by!!!
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2024-12-29price $362,500 598-char remark
Show marketing remark (598 chars)
A rear opportunity to own beautiful single house here, 6 bedrooms, 2 full bathrooms home with new hardwood flooring and new carpet. New kitchen, new bathrooms, new HVAC, new water heater, new flooring. Living room with stylish color of paint, newly finished breakfast area and kitchen. Kitchen with SS appliances, quartz countertops, walk-out to patio. Upper level has 4 bedrooms and full bathroom. 1 bedrooms and a full bath on the main level. Lower level fully finished 1 bedroom and 1 brand new bathroom with modern industrial look. Big backyard. Great location, many convenient shops near by!!!
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2024-12-12$349,900 Active 598-char remark
Show marketing remark (598 chars)
A rear opportunity to own beautiful single house here, 6 bedrooms, 2 full bathrooms home with new hardwood flooring and new carpet. New kitchen, new bathrooms, new HVAC, new water heater, new flooring. Living room with stylish color of paint, newly finished breakfast area and kitchen. Kitchen with SS appliances, quartz countertops, walk-out to patio. Upper level has 4 bedrooms and full bathroom. 1 bedrooms and a full bath on the main level. Lower level fully finished 1 bedroom and 1 brand new bathroom with modern industrial look. Big backyard. Great location, many convenient shops near by!!!
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2024-12-11historical $349,900 598-char remark
Show marketing remark (598 chars)
A rear opportunity to own beautiful single house here, 6 bedrooms, 2 full bathrooms home with new hardwood flooring and new carpet. New kitchen, new bathrooms, new HVAC, new water heater, new flooring. Living room with stylish color of paint, newly finished breakfast area and kitchen. Kitchen with SS appliances, quartz countertops, walk-out to patio. Upper level has 4 bedrooms and full bathroom. 1 bedrooms and a full bath on the main level. Lower level fully finished 1 bedroom and 1 brand new bathroom with modern industrial look. Big backyard. Great location, many convenient shops near by!!!
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2024-05-24soldstatus $160,000 Closed
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2024-02-02status Pending
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2024-01-27status Active
-
2023-12-29status Pending
-
2023-12-15$149,900 Active
ⓘ 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
- $5,137 · $428/mo
- Projected year-2 tax
- $5,137 · $428/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 5/10 Major 23% 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
- $36,369
- − Mortgage interest
- −$21,790
- − Property taxes
- −$5,137
- − Insurance
- −$1,945
- − Repairs & maintenance
- −$2,910
- − Management
- −$2,910
- − Depreciation
- −$11,316
- Taxable loss
- −$9,638
- Est. tax savings @ 24.0%
- +$2,313
- After-tax cash flow
- $-517/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
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Baltimore, MD
- County
- Baltimore County · 769,527 people
- City population
- 49,599
- Metro
- Baltimore-Columbia-Towson, MD
- Population (ZIP)
- 47,099
- Household income
- $67,060
- Rent vs Own
- Severe rent burden
- 2139.0
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 (78%)
- Race & ethnicity
- Black 78% White 8% Hispanic / Latino 7% Two or more races 5% Asian 3%
- Hispanic origin (detail)
- Puerto Rican 1%
- Common ancestry
- Swedish 1%
- Foreign-born
- 13% · Canada, Philippines, South Korea
- Languages at home
- 86% English-only · Spanish 4% French/Haitian/Cajun 1% 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
- ▲ 9.50%
- Current HPI
- 843.63
- Rent YoY
- ▲ 5.23%
- 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 |
|---|---|---|
| Aerospace / Defense | 1 | $71B |
|
||
| Utilities | 1 | $25B |
|
||
| Hotels | 1 | $24B |
|
||
| Consumer Goods | 1 | $7B |
|
||
| Real Estate | 1 | $6B |
|
||
| Chemicals | 1 | $2B |
|
||
Price history
+159.5% since first listed15 events — show timeline
- 2026-05-07 Price Changed $389,000 BRIGHT MLS
- 2026-04-08 Price Changed $394,000 BRIGHT MLS
- 2026-03-14 Listed $399,000 BRIGHT MLS
- 2026-03-07 Coming Soon $399,000 BRIGHT MLS
- 2025-02-05 Sold (Public Records) $362,500 Public Records
- 2025-01-15 Sold (MLS) $362,500 BRIGHT MLS
- 2024-12-30 Pending — BRIGHT MLS
- 2024-12-29 Price Changed $362,500 BRIGHT MLS
- 2024-12-12 Listed $349,900 BRIGHT MLS
- 2024-12-11 Coming Soon $349,900 BRIGHT MLS
- 2024-05-24 Sold (MLS) $160,000 BRIGHT MLS
- 2024-02-02 Pending — BRIGHT MLS
- 2024-01-27 Relisted — BRIGHT MLS
- 2023-12-29 Pending — BRIGHT MLS
- 2023-12-15 Listed $149,900 BRIGHT MLS
Property tax history
+1.8%/yrLatest (2025): $5,137 · +4.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…