3012 Kentucky 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
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 8/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A- 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
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Appreciation +4.7/10.0
- Rent growth +3.8/5.0
- Livability +3.8/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
$99,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
Key facts
- Open floor plan
- Spacious kitchen
- End-of-row townhouse
Tags
Property features AI
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer; Natural gas for heating, cooling fuel, and hot water
- Home design: End-of-row townhouse; Level entry to main level
- Construction: Brick construction; Concrete perimeter foundation; Above-grade structure
- Exterior features: Porch(es); Sidewalks; Street lights; Rear fencing; Front yard
Interior
- Kitchen: Stainless steel appliances
- Bedrooms: Three bedrooms on the upper level
- Flooring: Hardwood; Tile/brick
- Bathrooms: One full bathroom (upper level); One half bathroom (main level)
- Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans; Hot water heated by natural gas
- Interior features: Open floor plan; Breakfast area; Dining area; Country-style kitchen with table space; Tub/shower; Ceiling fans; Wood floors; Drywall walls and ceilings
- Laundry & utility: Basement with interior access and connecting stairway
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.5-bath townhouse listed at $100k.
Deal economics
- At list price, monthly cash flow is $702 ($8k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $100k).
- Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
- Cap rate 14.7% 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: 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); 319 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); 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
- At $1,987/mo this rent would consume 46% of the median local household income ($51k/yr) (locally 1868% 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 $124 of equity ($691 loan paydown + $-567 appreciation (-0.6% local appreciation)).
- Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (-0.6% appreciation + 5.2% rent growth), your $28k cash investment doubles in ~3 years — after that, you're playing with house money.
Negotiation context
- It's been on market 43 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 20y ago; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: property tax is 3.6% of price; built in 1928 — 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.
Questions for the listing agent
- It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- 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?
- 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
- 1.99% ✓
- Cap rate
- 14.73%
- Cash-on-cash
- 30.12%
- DSCR
- 2.34
- GRM
- 4.2
CMA / ARV
- ARV (median comp)
- $158,357
- List price
- $99,900
- Delta
- -36.91%
- 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 |
|---|---|---|---|---|---|---|---|
| 2835 Brendan Ave | 0.14mi | 3/1.0 | 1,725 (-3%) | 2mo | $76,500 | $44 | 84 |
| 3401 Ramona Ave | 0.35mi | 3/2.0 | 1,812 (+2%) | 0mo | $199,000 | $110 | 79 |
| 2647 Chesterfield Ave | 0.31mi | 3/2.0 | 1,836 (+3%) | 3mo | $190,000 | $103 | 76 |
| 2827 Chesterfield Ave | 0.15mi | 2/1.0 (-1) | 1,890 (+6%) | 3mo | $80,000 | $42 | 74 |
| 4208 Sheldon Ave | 0.46mi | 3/2.0 | 1,680 (-6%) | 2mo | $145,000 | $86 | 65 |
| 3506 Elmora Ave | 0.54mi | 4/2.0 (+1) | 1,767 (-1%) | 3mo | $248,000 | $140 | 64 |
| 3914 Eierman Ave | 0.52mi | 3/2.0 | 1,628 (-9%) | 0mo | $128,000 | $79 | 59 |
| 3525 Cliftmont Ave | 0.41mi | 3/3.5 | 1,942 (+9%) | 0mo | $269,900 | $139 | 58 |
| 3620 Erdman Ave | 0.46mi | 3/2.0 | 1,600 (-10%) | 2mo | $120,000 | $75 | 58 |
| 4312 Parkside Dr | 0.39mi | 4/2.0 (+1) | 1,980 (+11%) | 2mo | $260,000 | $131 | 55 |
| 3402 Ramona Ave | 0.37mi | 4/2.0 (+1) | 2,005 (+12%) | 2mo | $185,000 | $92 | 54 |
| 4215 Seidel Ave | 0.56mi | 3/2.0 | 1,528 (-14%) | 2mo | $186,500 | $122 | 46 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-0.57% appreciation · 5.25% rent growth · sell at horizon
- IRR
- 32.1%
- Equity multiple
- 2.57×
- Total profit
- $43,893
- Equity at exit
- $26,203
- IRR
- 37.7%
- Equity multiple
- 5.52×
- Total profit
- $126,325
- Equity at exit
- $29,337
Cash invested: $27,972 (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
ZIP-level market 21213
- Home prices YoY
- -0.1%
- Rents YoY
- 5.2%
- Active inventory
- 319
- Price-to-rent
- 4.2×
Monthly cashflow live
- Estimated rent
- $1,987 high interval (Pro) →
- Mortgage (P&I)
- −$524
- Tax from tax record
- −$302 /mo · $3,623/yr
- Insurance
- −$42
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$417
- Net cashflow
- $702
Break-even live
Sensitivity live
| Price | -10% $759 | -5% $730 | +0% $702 | +5% $674 | +10% $646 |
|---|---|---|---|---|---|
| Rent | -10% $545 | -5% $624 | +0% $702 | +5% $781 | +10% $859 |
| Rate | -1.0pp $752 | -0.5pp $727 | base $702 | +0.5pp $676 | +1.0pp $650 |
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
- $24,975
- Closing costs
- $2,997
- 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
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2817 Pelham Ave Baltimore, MD | 3.0 | 2.0 | 1464 | $1,950 | $1.33 | 24d | 1 | 0.14mi |
| 3027 Shannon Dr Baltimore, MD | 3.0 | 2.0 | 1950 | $2,500 | $1.28 | 44d | 1 | 0.14mi |
| 2735 Chesterfield Ave Baltimore, MD | 3.0 | 2.5 | 1536 | $2,000 | $1.30 | 11d | 1 | 0.23mi |
| 3515 Parklawn Ave Baltimore, MD | 3.0 | 2.0 | 1240 | $1,700 | $1.37 | 3d | 1 | 0.23mi |
| 3305 Dudley Ave Baltimore, MD | 3.0 | 2.0 | 1413 | $1,950 | $1.38 | 44d | 1 | 0.27mi |
| 3300 Dudley Ave Baltimore, MD | 4.0 | 2.0 | 1724 | $2,200 | $1.28 | 44d | 1 | 0.28mi |
| 4244 Shamrock Ave Baltimore, MD | 3.0 | 1.5 | 1920 | $1,850 | $0.96 | 24d | 1 | 0.40mi |
| 3519 Kentucky Ave Baltimore, MD | 3.0 | 2.0 | 1536 | $2,100 | $1.37 | 11d | 1 | 0.41mi |
| 4110 Harris Ave Unit 1 Baltimore, MD | 3.0 | 2.0 | 2450 | $1,650 | $0.67 | 24d | 1 | 0.41mi |
| 3525 Kentucky Ave Baltimore, MD | 3.0 | 1.5 | 1536 | $1,950 | $1.27 | 44d | 1 | 0.42mi |
| 3005 Belair Rd Baltimore, MD | 3.0 | 2.0 | 2000 | $1,600 | $0.80 | 18d | 1 | 0.42mi |
| 4320 Sheldon Ave Baltimore, MD | 3.0 | 1.5 | 1280 | $1,800 | $1.41 | 24d | 1 | 0.46mi |
| 3572 Juneway Unit 1 Baltimore, MD | 2.0 | 1.0 | 1800 | $1,200 | $0.67 | 44d | 1 | 0.47mi |
| 3551 Elmley Ave Baltimore, MD | 3.0 | 1.5 | 1872 | $2,095 | $1.12 | 24d | 1 | 0.48mi |
| 3551 Shannon Dr Baltimore, MD | 3.0 | 2.0 | 1485 | $2,358 | $1.59 | 24d | 1 | 0.50mi |
| 4400 Asbury Ave Baltimore, MD | 3.0 | 2.0 | 1270 | $1,995 | $1.57 | 5d | 1 | 0.50mi |
| 3573 Shannon Dr Baltimore, MD | 4.0 | 2.0 | 1493 | $2,300 | $1.54 | 18d | 1 | 0.53mi |
| 3512 Elmora Ave Baltimore, MD | 3.0 | 1.5 | 1472 | $1,900 | $1.29 | 21d | 1 | 0.56mi |
| 3335 Lyndale Ave Baltimore, MD | 2.0 | 2.0 | 1344 | $1,600 | $1.19 | 24d | 1 | 0.62mi |
| 3603 Ravenwood Ave Unit 1 Baltimore, MD | 4.0 | 1.0 | 1566 | $1,600 | $1.02 | 44d | 1 | 0.63mi |
| 3222 Lyndale Ave Unit 1 Baltimore, MD | 3.0 | 1.5 | 1500 | $2,200 | $1.47 | 13d | 1 | 0.65mi |
| 4104 Erdman Ave Unit 2 Baltimore, MD | 2.0 | 1.0 | 1566 | $1,075 | $0.69 | 5d | 1 | 0.71mi |
| 2113 Belair Rd Baltimore, MD | 3.0 | 1.0 | 1344 | $1,795 | $1.34 | 44d | 1 | 0.74mi |
| 4116 Raymonn Ave Baltimore, MD | 3.0 | 1.5 | 1244 | $1,950 | $1.57 | 44d | 1 | 0.83mi |
| 4300 Orchard Ridge Blvd Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 1021 | $1,809 | $1.77 | 44d | 1 | 0.97mi |
| 4718 Blue Ridge Ave Baltimore, MD | 4.0 | 3.0 | 1744 | $2,400 | $1.38 | 12d | 1 | 0.97mi |
| 1923 E 31st St Baltimore, MD | 3.0 | 1.5 | 2264 | $1,600 | $0.71 | 24d | 1 | 1.00mi |
| 4517 Woodlea Ave Baltimore, MD | 2.0 | 2.0 | 1326 | $1,900 | $1.43 | 3d | 1 | 1.02mi |
| 1802 E 28th St Baltimore, MD | 3.0 | 1.0 | 1300 | $1,600 | $1.23 | 24d | 1 | 1.10mi |
| 1829 N Port St Baltimore, MD | 3.0 | 1.5 | 2000 | $1,625 | $0.81 | 44d | 1 | 1.11mi |
| 1702 E 32nd St Baltimore, MD | 3.0 | 2.0 | 1344 | $2,300 | $1.71 | 44d | 1 | 1.19mi |
| 2522 E Federal St Baltimore, MD | 2.0 | 2.0 | 1760 | $1,400 | $0.80 | 44d | 1 | 1.20mi |
| 1403 N Linwood Ave Baltimore, MD | 3.0 | 2.0 | 1660 | $1,995 | $1.20 | 44d | 1 | 1.20mi |
| 2621 E Oliver St Baltimore, MD | 3.0 | 2.0 | 1600 | $1,700 | $1.06 | 24d | 1 | 1.25mi |
| 5731 Denwood Ave Baltimore, MD | 3.0 | 1.5 | 1440 | $1,700 | $1.18 | 24d | 1 | 1.26mi |
| 2918 Grindon Ave Unit 1ST Baltimore, MD | 2.0 | 1.0 | 2000 | $1,250 | $0.62 | 44d | 1 | 1.28mi |
| 3213 The Alameda Baltimore, MD | 2.0 | 1.0 | 1708 | $1,295 | $0.76 | 4d | 1 | 1.34mi |
| 3802 Biddison Ln Baltimore, MD | 4.0 | 1.5 | 1443 | $2,024 | $1.40 | 12d | 1 | 1.36mi |
| 1539 Abbotston St Baltimore, MD | 3.0 | 2.0 | 1800 | $1,995 | $1.11 | 44d | 1 | 1.37mi |
| 1539 Abbotston St Baltimore, MD | 3.0 | 2.0 | 1900 | $1,899 | $1.00 | 5d | 1 | 1.37mi |
Listing history 31 events
-
2026-06-10status $99,900 Pending 43 DOM
-
2026-06-09days on market $99,900 Active 43 DOM
-
2026-06-08days on market $99,900 Active 42 DOM
-
2026-06-07days on market $99,900 Active 41 DOM
-
2026-06-04days on market $99,900 Active 38 DOM
-
2026-06-03days on market $99,900 Active 37 DOM
-
2026-06-02days on market $99,900 Active 36 DOM
-
2026-06-01days on market $99,900 Active 35 DOM
-
2026-05-31days on market $99,900 Active 34 DOM
-
2026-04-27$109,900 Active 935-char remark
-
2017-01-04soldstatus $105,000
-
2016-12-09soldstatus $105,000 379-char remark
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-12-09soldstatus $105,000 Sold
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-10-21status Contract
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-09-26status Active
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-09-21historical Expired
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-08-20price $105,000
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-07-27price $110,000
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-07-13price $115,000
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-07-06price $117,900
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-06-21price $120,000
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2016-05-21$129,900 Active
Show marketing remark (379 chars)
Priced to Sell! Beautiful Renovation Located in the Belair Edison Neighborhood! Come See this large end of the group town-home with an open floor plan, granite counter-tops and stainless steel appliances. Close to the to the bus line, park and other amenities. Lots of renovations going on in the area. Take advantage of Baltimore's first time home buying grants while they last!
-
2015-08-01soldstatus $40,000
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2015-08-01soldstatus $40,000 Sold
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2015-06-16status Contract
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2015-05-19$34,900 Active
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2008-05-29soldstatus $70,000
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2006-10-20soldstatus $70,000
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2006-10-18soldstatus $70,000
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2006-08-19historical
-
2006-04-10$83,500
ⓘ 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
- $3,623 · $302/mo
- Projected year-2 tax
- $3,623 · $302/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 8/10 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
- $23,840
- − Mortgage interest
- −$5,596
- − Property taxes
- −$3,623
- − Insurance
- −$500
- − Repairs & maintenance
- −$1,907
- − Management
- −$1,907
- − Depreciation
- −$2,906
- Taxable income
- $7,401
- Est. tax owed @ 24.0%
- −$1,776
- After-tax cash flow
- $6,649/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 City · 558,601 people
- City population
- 588,727
- Metro
- Baltimore-Columbia-Towson, MD
- Population (ZIP)
- 28,058
- Household income
- $51,344
- Rent vs Own
- Severe rent burden
- 1868.0
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 (86%)
- Race & ethnicity
- Black 86% White 6% Hispanic / Latino 4% Two or more races 3%
- Foreign-born
- 3% · Canada
- Languages at home
- 96% English-only · Spanish 3%
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
- ▼ -0.57%
- Current HPI
- 427.4453
- Rent YoY
- ▲ 5.25%
- 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 |
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| Utilities | 1 | $25B |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
+19.6% since first listed24 events — show timeline
- 2026-06-10 Pending — BRIGHT MLS
- 2026-05-28 Price Changed $99,900 BRIGHT MLS
- 2026-04-27 Listed $109,900 BRIGHT MLS
- 2017-01-04 Sold (Public Records) $105,000 Public Records
- 2016-12-09 Sold (MLS) $105,000 MRIS
- 2016-12-09 Sold (MLS) $105,000 BRIGHT MLS
- 2016-10-21 Pending — MRIS
- 2016-09-26 Relisted — MRIS
- 2016-09-21 Delisted — MRIS
- 2016-08-20 Price Changed $105,000 MRIS
- 2016-07-27 Price Changed $110,000 MRIS
- 2016-07-13 Price Changed $115,000 MRIS
- 2016-07-06 Price Changed $117,900 MRIS
- 2016-06-21 Price Changed $120,000 MRIS
- 2016-05-21 Listed $129,900 MRIS
- 2015-08-01 Sold (MLS) $40,000 MRIS
- 2015-08-01 Sold (MLS) $40,000 BRIGHT MLS
- 2015-06-16 Pending — MRIS
- 2015-05-19 Listed $34,900 MRIS
- 2008-05-29 Sold (Public Records) $70,000 Public Records
- 2006-10-20 Sold (MLS) $70,000 MRIS
- 2006-10-18 Sold (Public Records) $70,000 Public Records
- 2006-08-19 Delisted — MRIS
- 2006-04-10 Listed $83,500 MRIS
Property tax history
+2.6%/yrLatest (2025): $3,623 · +25.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…