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819 N Curley St N
B Composite 71.46
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 +9.2/15.0
  • Rent growth +5.0/5.0
  • Livability +3.8/5.0
  • Condition / age +2.5/5.0
  • Schools +1.0/10.0
  • Appreciation +0.0/10.0

$107,900

819 N Curley St N · Baltimore, MD 21205
4 bd · 1.0 ba · 480 sqft · Townhouse public records · 77 Days on market
Built 1920 $225/sqft · 93% above area Est $112k · at est.

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

CALLING ALL INVESTORS & SAVVY BUYERS!!! Exceptional opportunity to acquire a * * 3BR / 1BA interior rowhome * * in the heart of Baltimore with * * direct park exposure and long-term upside * * . Ideally positioned just steps from * * Bocek Park * * and minutes to * * Johns Hopkins, major commuter routes, and public transit * * , this property offers both * * lifestyle appeal and strong rental potential * * . This classic Federal-style home features * * solid bones, approximately 960+ sq ft * * , and a * * functional layout * * with added flexibility including a * * bonus room/office and partially finished basement * * —perfect for additional living space or value-add improvements. The main level offers * * spacious living areas with updated flooring and natural light * * , while the kitchen has seen prior updates including * * countertops, backsplash, and fixtures * * . One of the standout features is the * * rare rear setting backing to green space * * , providing * * open views, privacy, and potential for future appreciation * * as community improvements continue. There is also * * potential for rear parking pad conversion * * , adding even more value. Located in an * * R-8 zoning district * * , this property is well-positioned for both * * buy-and-hold investors or renovation resale strategies * * . With * * public water/sewer, gas heat, and strong rental demand in the area * * , this is a * * straightforward addition to any portfolio * * . * * AS-IS SALE. * * Buyer to verify all information. Don’t miss this chance to secure a * * cash-flowing asset with appreciation upside in a rapidly evolving neighborhood. * *

Key facts

  • Direct park exposure
  • Green space
  • Bonus room

Tags

DIRECT PARK EXPOSUREBOCEK PARKBONUS ROOMPARTIALLY FINISHED BASEMENTRARE REAR SETTINGGREEN SPACE

Neighborhood map

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

What this means for you Summary

Snapshot

  • This is a 4-bed/1.0-bath townhouse listed at $108k.

Deal economics

  • At list price, monthly cash flow is $641 ($8k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $108k).
  • Recommended offer: $101k (6.0% below list) — sets the bar for market timing.
  • Cap rate 13.4% 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 (+9.9%/yr); 143 active listings in the ZIP; lower-income renter base — watch delinquency; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
  • At $1,782/mo this rent would consume 50% of the median local household income ($43k/yr) (locally 966% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $746 of loan paydown is wiped out by about $3k 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 + 8.0% rent growth), your $30k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 77 days — a 6% lower offer ($101k) is reasonable based on typical stale-listing flexibility.
  • 18 sale attempts since 22y ago; this cycle's ask has dropped $9k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1920 — 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 $101,426 (6.0% below list)

Questions for the listing agent

  1. It's been on market 77 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.65%
Cap rate
13.42%
Cash-on-cash
25.44%
DSCR
2.13
GRM
5.0

CMA / ARV

ARV (median comp)
$112,084
List price
$107,900
Delta
-3.73%
Verdict
FAIR
Comps
20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold
IRR
24.7%
Equity multiple
2.08×
Total profit
$32,776
Equity at exit
$16,088
10-year hold
IRR
35.5%
Equity multiple
5.11×
Total profit
$124,116
Equity at exit
$9,329

Cash invested: $30,212 (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 21205

Home prices YoY
-5.8%
Rents YoY
9.9%
Active inventory
143
Price-to-rent
5.0×

Monthly cashflow live

Estimated rent
$1,782 medium interval (Pro) →
Mortgage (P&I)
$566
Tax from tax record
$157 /mo · $1,881/yr
Insurance
$45
HOA
$0
Vacancy / Maint / Mgmt
$374
Net cashflow
$641

Break-even live

Break-even rent $972
Max offer price $107,900
Occupancy floor 59%

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
$26,975
Closing costs
$3,237
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.

Listing history 50 events

  1. 2026-06-18
    days on market $107,900 Active 77 DOM
  2. 2026-06-17
    days on market $107,900 Active 76 DOM
  3. 2026-06-16
    days on market $107,900 Active 75 DOM
  4. 2026-06-15
    days on market $107,900 Active 74 DOM
  5. 2026-06-13
    days on market $107,900 Active 72 DOM
  6. 2026-06-09
    days on market $107,900 Active 68 DOM
  7. 2026-06-08
    days on market $107,900 Active 67 DOM
  8. 2026-06-07
    days on market $107,900 Active 66 DOM
  9. 2026-06-04
    days on market $107,900 Active 63 DOM
  10. 2026-06-03
    days on market $107,900 Active 62 DOM
  11. 2026-06-02
    days on market $107,900 Active 61 DOM
  12. 2026-06-01
    days on market $107,900 Active 60 DOM
  13. 2026-05-31
    days on market $107,900 Active 59 DOM
  14. 2026-04-22
    price $112,900 1722-char remark
    Show marketing remark (1722 chars)

    CALLING ALL INVESTORS & SAVVY BUYERS!!! Exceptional opportunity to acquire a * * 3BR / 1BA interior rowhome * * in the heart of Baltimore with * * direct park exposure and long-term upside * * . Ideally positioned just steps from * * Bocek Park * * and minutes to * * Johns Hopkins, major commuter routes, and public transit * * , this property offers both * * lifestyle appeal and strong rental potential * * . This classic Federal-style home features * * solid bones, approximately 960+ sq ft * * , and a * * functional layout * * with added flexibility including a * * bonus room/office and partially finished basement * * —perfect for additional living space or value-add improvements. The main level offers * * spacious living areas with updated flooring and natural light * * , while the kitchen has seen prior updates including * * countertops, backsplash, and fixtures * * . One of the standout features is the * * rare rear setting backing to green space * * , providing * * open views, privacy, and potential for future appreciation * * as community improvements continue. There is also * * potential for rear parking pad conversion * * , adding even more value. Located in an * * R-8 zoning district * * , this property is well-positioned for both * * buy-and-hold investors or renovation resale strategies * * . With * * public water/sewer, gas heat, and strong rental demand in the area * * , this is a * * straightforward addition to any portfolio * * . * * AS-IS SALE. * * Buyer to verify all information. Don’t miss this chance to secure a * * cash-flowing asset with appreciation upside in a rapidly evolving neighborhood. * *

  15. 2026-04-02
    listed $117,000 Active 1722-char remark
    Show marketing remark (1722 chars)

    CALLING ALL INVESTORS & SAVVY BUYERS!!! Exceptional opportunity to acquire a * * 3BR / 1BA interior rowhome * * in the heart of Baltimore with * * direct park exposure and long-term upside * * . Ideally positioned just steps from * * Bocek Park * * and minutes to * * Johns Hopkins, major commuter routes, and public transit * * , this property offers both * * lifestyle appeal and strong rental potential * * . This classic Federal-style home features * * solid bones, approximately 960+ sq ft * * , and a * * functional layout * * with added flexibility including a * * bonus room/office and partially finished basement * * —perfect for additional living space or value-add improvements. The main level offers * * spacious living areas with updated flooring and natural light * * , while the kitchen has seen prior updates including * * countertops, backsplash, and fixtures * * . One of the standout features is the * * rare rear setting backing to green space * * , providing * * open views, privacy, and potential for future appreciation * * as community improvements continue. There is also * * potential for rear parking pad conversion * * , adding even more value. Located in an * * R-8 zoning district * * , this property is well-positioned for both * * buy-and-hold investors or renovation resale strategies * * . With * * public water/sewer, gas heat, and strong rental demand in the area * * , this is a * * straightforward addition to any portfolio * * . * * AS-IS SALE. * * Buyer to verify all information. Don’t miss this chance to secure a * * cash-flowing asset with appreciation upside in a rapidly evolving neighborhood. * *

  16. 2023-02-22
    soldstatus $170,000
  17. 2022-12-12
    soldstatus $80,000
  18. 2022-11-10
    soldstatus $80,000 Closed 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  19. 2022-10-18
    status Pending 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  20. 2022-10-18
    status Active 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  21. 2022-10-12
    status Pending 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  22. 2022-10-08
    status Active 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  23. 2022-10-06
    historical 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  24. 2022-10-06
    listed $84,900 Active 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  25. 2022-09-29
    historical $84,900 1408-char remark
    Show marketing remark (1408 chars)

    CALLING ALL INVESTORS!!! 3 bed1 bath (+1 bonus room) rowhome on N. Curley St. Close to Johns Hopkins, public transit and just steps to Bocek Park. Take advantage of this rare opportunity to own a property in the city that backs to a park with green views out the rear of the home. Windows replaced in 2020 along with the countertops, backsplash and the upgraded decorative drop ceiling in the kitchen. Main living area boasts crown molding, wide plank floors and fresh paint throughout. Brand new carpet installed in the 3rd bedroom in basement and the stairs leading to the main and upper floors. Potential off street parking opportunity available if you make rear lot a parking pad--just needs a little curb. Limited lead safe certificate available (wouldn't take much work to make this property lead free). Turn key. Selling As Is. FYI the Department of Parks and Rec has approved funding for many improvements to the park!!!! The field house has just recently undergone some great interior renovations including a lobby/ teen space, computer lab, restrooms, and community room and they are in the process of planning a gymnasium addition. They are also planning on doing a new layout to the field with brand new basketball courts. This is a great opportunity for some equity growth as they make improvements to the community along with having fantastic income potential Hurry up and schedule a showing.

  26. 2019-05-10
    soldstatus $33,000 Closed
  27. 2019-04-22
    status Pending
  28. 2019-04-02
    status Active
  29. 2019-02-28
    listed $37,500
  30. 2019-02-28
    historical
  31. 2018-12-07
    status Pending
  32. 2018-11-05
    listed Active Under Contract
  33. 2018-11-05
    historical
  34. 2018-11-05
    listed $37,500
  35. 2018-10-20
    historical
  36. 2018-09-27
    price $45,900
  37. 2018-07-23
    price $49,900
  38. 2018-06-21
    listed $55,000 Active
  39. 2017-05-11
    soldstatus $47,500
  40. 2011-02-24
    soldstatus $10,000
  41. 2011-02-24
    soldstatus $10,000 Sold
  42. 2011-01-31
    status Contract
  43. 2011-01-22
    status Active
  44. 2011-01-07
    historical
  45. 2011-01-04
    status Contract
  46. 2010-12-13
    price $13,500
  47. 2010-12-10
    status Active
  48. 2010-10-26
    historical Temporarily Off-Market
  49. 2010-09-23
    listed $13,500
  50. 2010-09-23
    listed $17,500 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
$1,881 · $157/mo
Projected year-2 tax
$1,881 · $157/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
$21,390
− Mortgage interest
−$6,044
− Property taxes
−$1,881
− Insurance
−$540
− Repairs & maintenance
−$1,711
− Management
−$1,711
− Depreciation
−$3,139
Taxable income
$6,364
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,527
After-tax cash flow
$6,160/yr

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

Schools (NCES district)

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

Livability — Baltimore

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

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Baltimore, MD
County
Baltimore City · 558,601 people
City population
588,727
Metro
Baltimore-Columbia-Towson, MD
Population (ZIP)
13,013
Household income
$43,176
Rent vs Own
63.6% rent · 36.4% own
Severe rent burden
966.0

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
Diverse neighborhood (Simpson 0.60)
Race & ethnicity
Black 60% Hispanic / Latino 16% White 14% Two or more races 11% Asian 3%
Hispanic origin (detail)
Mexican 1% Cuban 1% Dominican 4%
Common ancestry
Slovak 3% Romanian 1%
Foreign-born
16% · Canada, China
Languages at home
79% English-only · Spanish 11% Arabic 4% Chinese 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
▼ -15.03%
Current HPI
244.1345
Rent YoY
▲ 9.88%
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

+467.3% since first listed
48 events — show timeline
  • 2026-04-22 Price Changed $112,900 BRIGHT MLS
  • 2026-04-02 Listed $117,000 BRIGHT MLS
  • 2023-02-22 Sold (Public Records) $170,000 Public Records
  • 2022-12-12 Sold (Public Records) $80,000 Public Records
  • 2022-11-10 Sold (MLS) $80,000 BRIGHT MLS
  • 2022-10-18 Pending BRIGHT MLS
  • 2022-10-18 Relisted BRIGHT MLS
  • 2022-10-12 Pending BRIGHT MLS
  • 2022-10-08 Relisted BRIGHT MLS
  • 2022-10-06 Listing Removed BRIGHT MLS
  • 2022-10-06 Listed $84,900 BRIGHT MLS
  • 2022-09-29 Coming Soon $84,900 BRIGHT MLS
  • 2019-05-10 Sold (MLS) $33,000 BRIGHT MLS
  • 2019-04-22 Pending BRIGHT MLS
  • 2019-04-02 Relisted BRIGHT MLS
  • 2019-02-28 Listing Removed BRIGHT MLS
  • 2019-02-28 Listed $37,500 BRIGHT MLS
  • 2018-12-07 Pending BRIGHT MLS
  • 2018-11-05 Listed BRIGHT MLS
  • 2018-11-05 Listed $37,500 BRIGHT MLS
  • 2018-11-05 Listing Removed BRIGHT MLS
  • 2018-10-20 Listing Removed BRIGHT MLS
  • 2018-09-27 Price Changed $45,900 BRIGHT MLS
  • 2018-07-23 Price Changed $49,900 BRIGHT MLS
  • 2018-06-21 Listed $55,000 BRIGHT MLS
  • 2017-05-11 Sold (Public Records) $47,500 Public Records
  • 2011-02-24 Sold (MLS) $10,000 MRIS
  • 2011-02-24 Sold (MLS) $10,000 BRIGHT MLS
  • 2011-01-31 Pending MRIS
  • 2011-01-22 Relisted MRIS
  • 2011-01-07 Listing Removed BRIGHT MLS
  • 2011-01-04 Pending MRIS
  • 2010-12-13 Price Changed $13,500 MRIS
  • 2010-12-10 Relisted MRIS
  • 2010-10-26 Delisted MRIS
  • 2010-09-23 Listed $13,500 BRIGHT MLS
  • 2010-09-23 Listed $17,500 MRIS
  • 2009-03-01 Delisted MRIS
  • 2009-02-13 Listed MRIS
  • 2008-12-24 Delisted MRIS
  • 2008-09-09 Relisted MRIS
  • 2008-08-13 Delisted MRIS
  • 2008-07-23 Relisted MRIS
  • 2008-07-21 Delisted MRIS
  • 2008-07-01 Listed MRIS
  • 2004-10-12 Sold (MLS) $19,900 MRIS
  • 2004-09-08 Delisted MRIS
  • 2004-09-03 Listed $19,900 MRIS

Property tax history

+1.7%/yr

Latest (2025): $1,881 · +2.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…