622 Allendale St · Baltimore, MD 21229

$185,000

4 bd · 2.0 ba · 1,360 sqft · Townhouse public records · 326 Days on market

Built 1927 1,360 sqft lot $136/sqft · 9% below area Est $203k · 9% under

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Why this score? — see what drove the C+ 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 +24.0/30.0
• ARV discount +11.6/15.0
• DSCR +7.7/10.0
• 1% rule +6.1/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

Key facts

• Covered front porch
• Easy access to i-95
• Easy access to i-695

Tags

• HARDWOOD FLOORS
• UPDATED KITCHEN
• COVERED FRONT PORCH
• PLENTY OF PARKING
• EASY ACCESS TO I-695
• EASY ACCESS TO I-95

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath townhouse listed at $185k.

Deal economics

• At list price, monthly cash flow is $363 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $185k).
• Recommended offer: $163k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: crime F.
• Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Wildwood Elementary/Middle (math 0% / reading 7%, grade F, #818 of 860 statewide, top 95%, 793 students, 84% FRL); Vanguard Collegiate Middle (math 3% / reading 15%, grade F, #212 of 225 statewide, top 95%, 343 students, 84% FRL); Baltimore Polytechnic Institute (math 71% / reading 84%, grade A-, #22 of 222 statewide, top 10%, 1,555 students, 43% FRL).
• Zoned-school proficiency averages 30% at this address vs 12% district-wide (+19 pts) — the actual schools serving this property are materially stronger than the Baltimore City Public Schools average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+5.4%/yr); 256 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 + 5.4% rent growth), your $52k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 326 days — a 12% lower offer ($163k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 16y ago; this cycle's ask has dropped $60k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $148k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1927 — 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 $162,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 326 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1927 — 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: 1.11% ✓
• Cap rate: 8.65%
• Cash-on-cash: 8.40%
• DSCR: 1.37
• GRM: 7.5

CMA / ARV

• ARV (median comp): $203,395
• List price: $185,000
• Delta: -9.04%
• 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
3707 Colborne Rd	0.19mi	3/2.0 (-1)	1,400 (+3%)	1mo	$220,000	$157	80
517 N Edgewood St	0.22mi	4/2.5	1,430 (+5%)	2mo	$90,000	$63	78
509 Normandy Ave	0.20mi	4/2.5	1,458 (+7%)	1mo	$212,000	$145	75
1000 Mount Holly St	0.28mi	3/1.5 (-1)	1,290 (-5%)	1mo	$93,000	$72	71
300 Denison St	0.35mi	3/2.0 (-1)	1,260 (-7%)	2mo	$205,000	$163	65
3821 Stokes Dr	0.39mi	3/2.0 (-1)	1,254 (-8%)	1mo	$145,000	$116	63
733 Lyndhurst St	0.16mi	3/1.5 (-1)	1,550 (+14%)	2mo	$85,000	$55	61
1007 Wildwood Pkwy	0.37mi	3/1.0 (-1)	1,216 (-11%)	2mo	$111,100	$91	55
3806 Rokeby Rd	0.34mi	3/1.0 (-1)	1,160 (-15%)	2mo	$120,000	$103	49
1226 N Augusta Ave	0.53mi	3/2.0 (-1)	1,536 (+13%)	0mo	$212,000	$138	48
537 Longwood St	0.71mi	4/2.0	1,176 (-14%)	0mo	$60,000	$51	44
3224 Belmont Ave	0.66mi	3/1.5 (-1)	1,178 (-13%)	1mo	$77,000	$65	39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.38% rent growth · sell at horizon

5-year hold

• IRR: -0.9%
• Equity multiple: 0.96×
• Total profit: $-1,823
• Equity at exit: $27,584

10-year hold

• IRR: 11.1%
• Equity multiple: 1.96×
• Total profit: $49,913
• Equity at exit: $15,995

Cash invested: $51,800 (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.

Methodology + full state rankings →

ZIP-level market 21229

• Rents YoY: 5.4%
• Active inventory: 256
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $2,052 high
• Mortgage (P&I): −$970
• Tax from tax record: −$211 /mo · $2,531/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $363

Break-even live

Break-even rent $1,593

Max offer price $185,000

Occupancy floor 77%

Sensitivity live

Price	-10% $468	-5% $415	+0% $363	+5% $310	+10% $258
Rent	-10% $201	-5% $282	+0% $363	+5% $444	+10% $525
Rate	-1.0pp $456	-0.5pp $410	base $363	+0.5pp $315	+1.0pp $266

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: $46,250
• Closing costs: $5,550
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3712 Gelston Dr Baltimore, MD	3.0	2.0	1250	$2,500	$2.00	25d	1	0.06mi
623 N Grantley St Baltimore, MD	4.0	2.0	1250	$2,000	$1.60	25d	1	0.10mi
730 Linnard St Unit 1 Baltimore, MD	4.0	1.0	1360	$1,750	$1.29	25d	1	0.18mi
3507 Edmondson Ave Baltimore, MD	4.0	2.0	1428	$2,300	$1.61	45d	1	0.19mi
4020 Gelston Dr Baltimore, MD	3.0	2.0	1270	$1,875	$1.48	45d	1	0.23mi
409 Normandy Ave Baltimore, MD	4.0	1.0	1640	$1,500	$0.91	25d	1	0.24mi
787 N Grantley St Baltimore, MD	3.0	1.0	1116	$1,575	$1.41	25d	1	0.25mi
780 Linnard St Baltimore, MD	3.0	2.0	1224	$1,590	$1.30	45d	1	0.27mi
798 N Grantley St Baltimore, MD	3.0	2.0	1360	$2,295	$1.69	25d	1	0.27mi
405 N Edgewood St Baltimore, MD	4.0	2.0	1408	$2,750	$1.95	0d	1	0.28mi
3607 W Lexington St Baltimore, MD	3.0	2.0	1050	$1,895	$1.80	6d	1	0.34mi
202 N Edgewood St Baltimore, MD	3.0	2.0	1710	$2,250	$1.32	25d	1	0.35mi
4103 Mountwood Rd Baltimore, MD	3.0	2.0	1030	$1,700	$1.65	45d	1	0.48mi
4113 Mountwood Rd Baltimore, MD	3.0	1.0	1520	$1,795	$1.18	45d	1	0.50mi
1216 N Augusta Ave Baltimore, MD	3.0	1.0	1024	$1,550	$1.51	25d	1	0.50mi
917 Kevin Rd Baltimore, MD	3.0	2.0	1151	$1,795	$1.56	3d	1	0.53mi
41 N Kossuth St Baltimore, MD	3.0	2.0	1216	$1,800	$1.48	25d	1	0.55mi
715 N Rosedale St Baltimore, MD	5.0	3.0	1542	$2,550	$1.65	45d	1	0.59mi
3238 Westmont Ave Baltimore, MD	3.0	1.0	1280	$1,600	$1.25	45d	1	0.60mi
3015 Rayner Ave Baltimore, MD	3.0	1.0	1152	$1,350	$1.17	45d	1	0.63mi
3336 W Caton Ave Baltimore, MD	3.0	2.0	1236	$1,625	$1.31	25d	1	0.68mi
2922 Edmondson Ave Baltimore, MD	3.0	2.0	1620	$1,900	$1.17	45d	1	0.72mi
117 Collins Ave Baltimore, MD	3.0	3.0	1617	$2,350	$1.45	45d	1	0.75mi
111 Upmanor Rd Baltimore, MD	3.0	1.5	1224	$2,163	$1.77	45d	1	0.76mi
3309 Brighton St Baltimore, MD	3.0	1.0	1134	$1,700	$1.50	45d	1	0.76mi
4018 Massachusetts Ave Baltimore, MD	3.0	1.0	1050	$1,400	$1.33	25d	1	0.82mi
1513 N Ellamont St Baltimore, MD	3.0	1.0	1700	$1,700	$1.00	25d	1	0.82mi
212 S Loudon Ave Baltimore, MD	3.0	1.5	1310	$1,550	$1.18	45d	1	0.84mi
3127 Baker St Baltimore, MD	3.0	1.0	1000	$1,300	$1.30	45d	1	0.87mi
2815 W Mulberry St Baltimore, MD	4.0	2.0	1040	$2,050	$1.97	45d	1	0.88mi
1530 N Rosedale St Baltimore, MD	3.0	2.0	1641	$1,795	$1.09	0d	1	0.88mi
2806 Riggs Ave Baltimore, MD	3.0	2.5	1412	$1,900	$1.35	5d	1	0.90mi
2744 W Mosher St Baltimore, MD	4.0	2.0	1412	$2,100	$1.49	25d	1	0.91mi
1402 Poplar Grove St Baltimore, MD	4.0	1.5	1540	$800	$0.52	45d	1	0.93mi
2732 Riggs Ave Baltimore, MD	3.0	1.0	1730	$1,700	$0.98	0d	1	0.95mi
2728 Winchester St Baltimore, MD	3.0	1.5	1260	$1,800	$1.43	5d	1	0.99mi
304 Collins Ave Unit 2 Baltimore, MD	3.0	1.0	1016	$2,100	$2.07	45d	1	1.00mi
2636 Lauretta Ave Baltimore, MD	3.0	2.5	1232	$1,900	$1.54	45d	1	1.00mi
2609 Lauretta Ave Baltimore, MD	3.0	1.0	1286	$1,675	$1.30	25d	1	1.04mi
2800 Presstman St Baltimore, MD	3.0	2.5	1460	$1,799	$1.23	25d	1	1.06mi

Listing history 39 events

1. 2026-06-21
   days on market $185,000 Active 326 DOM
2. 2026-06-18
   days on market $185,000 Active 323 DOM
3. 2026-06-17
   days on market $185,000 Active 322 DOM
4. 2026-06-16
   days on market $185,000 Active 321 DOM
5. 2026-06-15
   days on market $185,000 Active 320 DOM
6. 2026-06-13
   days on market $185,000 Active 318 DOM
7. 2026-06-09
   days on market $185,000 Active 314 DOM
8. 2026-06-08
   days on market $185,000 Active 313 DOM
9. 2026-06-07
   days on market $185,000 Active 312 DOM
10. 2026-06-04
    days on market $185,000 Active 309 DOM
11. 2026-06-03
    days on market $185,000 Active 308 DOM
12. 2026-06-02
    days on market $185,000 Active 307 DOM
13. 2026-06-01
    days on market $185,000 Active 306 DOM
14. 2026-05-31
    days on market $185,000 Active 305 DOM
15. 2025-12-11
    price $185,000 641-char remark

    Show marketing remark (641 chars)

    This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

16. 2025-11-19
    price $205,000 641-char remark

    Show marketing remark (641 chars)

    This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

17. 2025-10-09
    price $215,000 641-char remark

    Show marketing remark (641 chars)

    This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

18. 2025-09-12
    price $240,000 641-char remark

    Show marketing remark (641 chars)

    This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

19. 2025-08-20
    status Active 641-char remark

    Show marketing remark (641 chars)

    This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

20. 2025-05-22
    historical 641-char remark

    Show marketing remark (641 chars)

    This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

21. 2025-05-01
    listed $245,000 Active 641-char remark

    Show marketing remark (641 chars)

    This charming colonial townhouse, is full of character and modern upgrades. Featuring 4 spacious bedrooms and 2 full bathrooms, this home offers ample space for comfortable living. Step inside to find gleaming hardwood floors throughout, an updated kitchen with modern appliances, and built-in doors in the living room/family room that add a touch of elegance. Enjoy your morning coffee on the covered front porch and take advantage of plenty of parking. Conveniently located with easy access to I-695 and I-95, this home is perfect for commuters. Don't miss out on this treasure that combines cosmetic charm with essential utility upgrades.

22. 2022-11-23
    soldstatus $148,000
23. 2022-07-27
    soldstatus $148,000 Closed 382-char remark

    Show marketing remark (382 chars)

    Buyer Could Not Preform! Back On The Market. Charming colonial full of character. It offers a covered front porch, gleaming hardwood floors, new kitchen appliances, and built-in living room / family room doors. The house offers utilities upgrades, along with all the cosmetic charm. This treasure is located on a quite block with plenty of parking, easy access to I- 695, and I-95.

24. 2022-06-02
    status Pending 382-char remark

    Show marketing remark (382 chars)

    Buyer Could Not Preform! Back On The Market. Charming colonial full of character. It offers a covered front porch, gleaming hardwood floors, new kitchen appliances, and built-in living room / family room doors. The house offers utilities upgrades, along with all the cosmetic charm. This treasure is located on a quite block with plenty of parking, easy access to I- 695, and I-95.

25. 2022-05-20
    status Active 382-char remark

    Show marketing remark (382 chars)

    Buyer Could Not Preform! Back On The Market. Charming colonial full of character. It offers a covered front porch, gleaming hardwood floors, new kitchen appliances, and built-in living room / family room doors. The house offers utilities upgrades, along with all the cosmetic charm. This treasure is located on a quite block with plenty of parking, easy access to I- 695, and I-95.

26. 2022-05-12
    status Pending 382-char remark

    Show marketing remark (382 chars)

    Buyer Could Not Preform! Back On The Market. Charming colonial full of character. It offers a covered front porch, gleaming hardwood floors, new kitchen appliances, and built-in living room / family room doors. The house offers utilities upgrades, along with all the cosmetic charm. This treasure is located on a quite block with plenty of parking, easy access to I- 695, and I-95.

27. 2022-05-02
    status Active 382-char remark

    Show marketing remark (382 chars)

    Buyer Could Not Preform! Back On The Market. Charming colonial full of character. It offers a covered front porch, gleaming hardwood floors, new kitchen appliances, and built-in living room / family room doors. The house offers utilities upgrades, along with all the cosmetic charm. This treasure is located on a quite block with plenty of parking, easy access to I- 695, and I-95.

28. 2022-03-20
    status Pending 382-char remark

    Show marketing remark (382 chars)

    Buyer Could Not Preform! Back On The Market. Charming colonial full of character. It offers a covered front porch, gleaming hardwood floors, new kitchen appliances, and built-in living room / family room doors. The house offers utilities upgrades, along with all the cosmetic charm. This treasure is located on a quite block with plenty of parking, easy access to I- 695, and I-95.

29. 2022-03-09
    listed $149,999 Active 382-char remark

    Show marketing remark (382 chars)

    Buyer Could Not Preform! Back On The Market. Charming colonial full of character. It offers a covered front porch, gleaming hardwood floors, new kitchen appliances, and built-in living room / family room doors. The house offers utilities upgrades, along with all the cosmetic charm. This treasure is located on a quite block with plenty of parking, easy access to I- 695, and I-95.

30. 2021-06-01
    historical
31. 2021-05-31
    listed $160,000 Active
32. 2019-08-05
    soldstatus $75,500
33. 2011-01-07
    soldstatus $20,000 Sold
34. 2011-01-07
    soldstatus $20,000
35. 2010-12-10
    price $20,000
36. 2010-12-10
    historical
37. 2010-11-10
    listed $29,900 Active
38. 2010-11-10
    listed $20,000
39. 2005-03-07
    soldstatus $84,000

ⓘ 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: $2,531 · $211/mo
• Projected year-2 tax: $2,531 · $211/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

Taxation est. · year 1

• Rental income: $24,622
• − Mortgage interest: −$10,363
• − Property taxes: −$2,531
• − Insurance: −$925
• − Repairs & maintenance: −$1,970
• − Management: −$1,970
• − Depreciation: −$5,382
• Taxable income: $1,482
• Est. tax owed @ 24.0%: −$356
• After-tax cash flow: $3,998/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): 46,679
• Household income: $60,047
• Rent vs Own: 43.1% rent · 56.9% own
• Severe rent burden: 2776.0

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 (73%)
• Race & ethnicity: Black 73% White 15% Hispanic / Latino 6% Two or more races 4% Asian 3%
• Common ancestry: Lithuanian 1% Romanian 1% Serbian 1%
• Foreign-born: 5% · Canada, Philippines
• Languages at home: 91% English-only · Spanish 4% Other Indo-European 2% 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: ▼ -259.07%
• Current HPI: 226.896
• Rent YoY: ▲ 5.38%
• 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

+120.2% since first listed

25 events — show timeline

• 2025-12-11 Price Changed $185,000 BRIGHT MLS
• 2025-11-19 Price Changed $205,000 BRIGHT MLS
• 2025-10-09 Price Changed $215,000 BRIGHT MLS
• 2025-09-12 Price Changed $240,000 BRIGHT MLS
• 2025-08-20 Relisted — BRIGHT MLS
• 2025-05-22 Listing Removed — BRIGHT MLS
• 2025-05-01 Listed $245,000 BRIGHT MLS
• 2022-11-23 Sold (Public Records) $148,000 Public Records
• 2022-07-27 Sold (MLS) $148,000 BRIGHT MLS
• 2022-06-02 Pending — BRIGHT MLS
• 2022-05-20 Relisted — BRIGHT MLS
• 2022-05-12 Pending — BRIGHT MLS
• 2022-05-02 Relisted — BRIGHT MLS
• 2022-03-20 Pending — BRIGHT MLS
• 2022-03-09 Listed $149,999 BRIGHT MLS
• 2021-06-01 Listing Removed — BRIGHT MLS
• 2021-05-31 Listed $160,000 BRIGHT MLS
• 2019-08-05 Sold (Public Records) $75,500 Public Records
• 2011-01-07 Sold (MLS) $20,000 BRIGHT MLS
• 2011-01-07 Sold (MLS) $20,000 MRIS
• 2010-12-10 Price Changed $20,000 MRIS
• 2010-12-10 Listing Removed — BRIGHT MLS
• 2010-11-10 Listed $29,900 MRIS
• 2010-11-10 Listed $20,000 BRIGHT MLS
• 2005-03-07 Sold (Public Records) $84,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $2,531 · +4.1% YoY. Source: county tax records.