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3108 Ferndale Ave
D Composite 42.09
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

3108 Ferndale Ave · Baltimore, MD 21207
6 bd · 2.0 ba · 2,756 sqft · SingleFamily public records · 97 Days on market
Built 1920 7,200 sqft lot $141/sqft · 10% below area Est $373k · at est.

🖨 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

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 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.
Recommended offer $303,073 (22.1% below list)

Questions for the listing agent

  1. 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?
  2. 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?
  3. Built in 1920 — 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. 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?
  9. 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.
  10. 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.
  11. 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

5-year hold
IRR
22.1%
Equity multiple
2.75×
Total profit
$190,538
Equity at exit
$336,332
10-year hold
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
Just-cause for tenancies > 1 yr.

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

Break-even rent $3,329
Max offer price $347,340
Occupancy floor

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

AddressBedsBaths SqftRent$/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

  1. 2026-06-18
    days on market $389,000 Active 97 DOM
  2. 2026-06-17
    days on market $389,000 Active 96 DOM
  3. 2026-06-16
    days on market $389,000 Active 95 DOM
  4. 2026-06-15
    days on market $389,000 Active 94 DOM
  5. 2026-06-13
    days on market $389,000 Active 92 DOM
  6. 2026-06-09
    days on market $389,000 Active 88 DOM
  7. 2026-06-08
    days on market $389,000 Active 87 DOM
  8. 2026-06-07
    days on market $389,000 Active 86 DOM
  9. 2026-06-04
    days on market $389,000 Active 83 DOM
  10. 2026-06-03
    days on market $389,000 Active 82 DOM
  11. 2026-06-02
    days on market $389,000 Active 81 DOM
  12. 2026-06-01
    days on market $389,000 Active 80 DOM
  13. 2026-05-31
    days on market $389,000 Active 79 DOM
  14. 2026-05-07
    price $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.

  15. 2026-04-08
    price $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.

  16. 2026-03-14
    listed $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.

  17. 2026-03-07
    historical $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.

  18. 2025-02-05
    soldstatus $362,500
  19. 2025-01-15
    soldstatus $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!!!

  20. 2024-12-30
    status 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!!!

  21. 2024-12-29
    price $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!!!

  22. 2024-12-12
    listed $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!!!

  23. 2024-12-11
    historical $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!!!

  24. 2024-05-24
    soldstatus $160,000 Closed
  25. 2024-02-02
    status Pending
  26. 2024-01-27
    status Active
  27. 2023-12-29
    status Pending
  28. 2023-12-15
    listed $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

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Walkable amenities ~0.75 mi

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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
combined federal + state — saved on this device
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

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 County · 769,527 people
City population
49,599
Metro
Baltimore-Columbia-Towson, MD
Population (ZIP)
47,099
Household income
$67,060
Rent vs Own
39.3% rent · 60.7% 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

Price history

+159.5% since first listed
15 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%/yr

Latest (2025): $5,137 · +4.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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