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1415 Race St
C Composite 55.98
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 +19.2/30.0
  • ARV discount +15.0/15.0
  • 1% rule +6.2/10.0
  • DSCR +6.1/10.0
  • Livability +3.8/5.0
  • Condition / age +2.5/5.0
  • Rent growth +2.2/5.0
  • Schools +1.0/10.0
  • Appreciation +0.0/10.0

$275,000

1415 Race St · Baltimore, MD 21230
4 bd · 3.5 ba · 1,786 sqft · Townhouse public records · 35 Days on market
Built 1900 $154/sqft · 36% below area Est $433k · 36% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

Key facts

  • Parking
  • Built 1900
  • Listed 35 days

Property features AI

Finance

  • Other: Below-grade finished area and additional below-grade unfinished space
  • Financial info: Ground rent payment semi-annually

Exterior

  • Parking: Driveway parking (1 space); Total of 1 garage/parking space
  • Utilities: Public water; Public sewer; Electric service
  • Home design: Interior townhouse/rowhouse; Major remodel or renovation in 2021; Ground rent ownership interest
  • Construction: Brick construction; Brick/mortar foundation; Asphalt roof; Basement fully finished and connected via stairway
  • Exterior features: Deck(s); Porch(es); Not in a federal flood zone; Ground rent exists (paid semi-annually)

Interior

  • Kitchen: Built-in microwave; Dishwasher; Disposal; Electric oven/range
  • Bedrooms: Two bedrooms on the upper level; Two bedrooms on the lower level
  • Flooring: Hardwood floors; Vinyl flooring
  • Bathrooms: Three full bathrooms; One half bathroom; Two full bathrooms on the upper level; One full bathroom on the lower level; Walk-in shower in at least one bathroom
  • Heating & cooling: Forced air heating; Natural gas heating and hot water; Central air conditioning (electric)
  • Interior features: Ceiling fans; Dining area; Eat-in kitchen with table space; Wood floors; Walk-in shower; Traditional floor plan; Six-panel doors; Brick and drywall walls/ceilings
  • Laundry & utility: Washer/dryer hookups on main floor

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/3.5-bath townhouse listed at $275k.

Deal economics

  • At list price, monthly cash flow is $297 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($3k rent vs $275k).
  • Recommended offer: $267k (3.0% below list) — sets the bar for market timing.
  • Cap rate 7.6% vs local median 6.0% in Baltimore — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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 soft (-1.0%/yr); 362 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
  • This rent runs 40% of the median local income ($92k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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.

Negotiation context

  • It's been on market 35 days — a 3% lower offer ($267k) is reasonable based on typical stale-listing flexibility.
  • 11 sale attempts since 30y ago; this cycle's ask has dropped $55k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1900 — 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 $266,750 (3.0% below list)

Questions for the listing agent

  1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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?
  6. 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.
  7. 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.
  8. 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
1.12%
Cap rate
7.59%
Cash-on-cash
4.63%
DSCR
1.21
GRM
7.5

CMA / ARV

ARV (median comp)
$432,750
List price
$275,000
Delta
-36.45%
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
1319 Clarkson St 0.08mi 3/3.0 (-1) 1,650 (-8%) 1mo $437,500 $265 76
218 E Barney St 0.42mi 3/3.0 (-1) 1,802 (+1%) 0mo $480,000 $266 72
1511 S Charles St 0.16mi 3/3.5 (-1) 2,004 (+12%) 0mo $515,000 $257 67
1206 William St 0.38mi 3/2.5 (-1) 1,713 (-4%) 1mo $400,000 $234 66
1512 Patapsco St 0.19mi 3/2.0 (-1) 1,630 (-9%) 1mo $325,000 $199 65
1509 S Charles St 0.16mi 3/2.5 (-1) 1,996 (+12%) 1mo $557,598 $279 64
25 West St W 0.26mi 3/2.5 (-1) 1,600 (-10%) 0mo $338,000 $211 61
1279 William St 0.37mi 3/3.5 (-1) 2,026 (+13%) 0mo $520,000 $257 55
21 E Fort Ave E 0.20mi 3/2.0 (-1) 2,051 (+15%) 1mo $345,000 $168 54
1543 Covington St 0.56mi 3/2.5 (-1) 1,904 (+7%) 1mo $440,000 $231 53
122 E Ostend St 0.33mi 3/2.5 (-1) 1,520 (-15%) 0mo $450,000 $296 50
132 W Lee St 0.64mi 3/2.5 (-1) 1,662 (-7%) 1mo $465,000 $280 49

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
-12.8%
Equity multiple
0.55×
Total profit
$-34,450
Equity at exit
$41,003
10-year hold
IRR
-9.9%
Equity multiple
0.49×
Total profit
$-39,645
Equity at exit
$23,777

Cash invested: $77,000 (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 21230

Rents YoY
-1.0%
Active inventory
362
Price-to-rent
7.5×

Monthly cashflow live

Estimated rent
$3,070 high interval (Pro) →
Mortgage (P&I)
$1,442
Tax from tax record
$571 /mo · $6,858/yr
Insurance
$115
HOA
$0
Vacancy / Maint / Mgmt
$645
Net cashflow
$297

Break-even live

Break-even rent $2,694
Max offer price $275,000
Occupancy floor 85%

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
$68,750
Closing costs
$8,250
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

AddressBedsBaths SqftRent$/sqft DOM Units Dist
128 W Fort Ave Baltimore, MD 3.0 3.5 2025 $3,100 $1.53 23d 1 0.03mi
2 W Clement St Baltimore, MD 3.0 3.5 1866 $3,400 $1.82 17d 1 0.14mi
1608 S Hanover St Baltimore, MD 3.0 3.5 1346 $3,000 $2.23 17d 1 0.15mi
1502 S Charles St Baltimore, MD 3.0 3.0 2044 $1,500 $0.73 23d 1 0.15mi
9 E Fort Ave Baltimore, MD 3.0 2.0 2118 $3,100 $1.46 43d 1 0.19mi
1723 Clarkson St Baltimore, MD 3.0 3.5 2488 $3,250 $1.31 23d 1 0.22mi
1127 S Hanover St Baltimore, MD 4.0 3.5 2000 $3,600 $1.80 17d 1 0.23mi
1127 S Hanover St Baltimore, MD 4.0 4.0 2000 $3,600 $1.80 16d 1 0.23mi
1725 S Hanover St Baltimore, MD 3.0 3.5 1704 $3,090 $1.81 43d 1 0.24mi
1201 S Charles St Baltimore, MD 2.0–3.0 2.0 1341 $2,350 $1.75 4d 4 0.24mi
1746 S Hanover St Baltimore, MD 3.0 2.0 1490 $2,700 $1.81 10d 1 0.25mi
22 E Heath St Baltimore, MD 3.0 2.5 1800 $2,900 $1.61 12d 1 0.25mi
1617 Patapsco St Baltimore, MD 3.0 3.0 1537 $2,500 $1.63 2d 1 0.26mi
1600 Light St Unit C Baltimore, MD 3.0 2.0 1500 $1,800 $1.20 10d 1 0.30mi
1900 S Hanover St Baltimore, MD 3.0 1.0–2.0 875 $3,932 $4.49 1d 66 0.34mi
1839 S Charles St Baltimore, MD 3.0 2.5 1238 $2,600 $2.10 43d 1 0.35mi
14 Poultney St Baltimore, MD 3.0 2.5 1344 $2,500 $1.86 12d 1 0.37mi
111 E Cross St Baltimore, MD 3.0 4.5 2496 $3,300 $1.32 12d 1 0.39mi
904 S Hanover St Baltimore, MD 3.0 2.5 1900 $2,795 $1.47 23d 1 0.40mi
300 E Fort Ave Baltimore, MD 3.0 1.5 1980 $1,700 $0.86 17d 1 0.42mi
02 W Henrietta St Unit B Baltimore, MD 3.0 2.0 1500 $2,000 $1.33 17d 1 0.43mi
1106 Battery Ave Baltimore, MD 4.0 5.0 2318 $4,000 $1.73 23d 1 0.46mi
206 E Cross St Baltimore, MD 4.0 2.0 2168 $3,000 $1.38 4d 1 0.47mi
724 S Hanover St Baltimore, MD 3.0 2.5 1351 $2,895 $2.14 43d 1 0.50mi
1153 Riverside Ave Baltimore, MD 4.0 2.0 1838 $2,800 $1.52 43d 1 0.50mi
301 Warren Ave Baltimore, MD 1.0–3.0 1.0–2.5 1533 $3,865 $2.52 1d 9 0.56mi
1310 Jackson St Baltimore, MD 3.0 3.5 2444 $5,200 $2.13 4d 1 0.63mi
651 E Clement St Baltimore, MD 3.0 3.5 1292 $2,800 $2.17 43d 1 0.69mi
912 S Paca St Baltimore, MD 3.0 2.0 2000 $2,250 $1.12 43d 1 0.76mi
117 E Cromwell St Unit A Baltimore, MD 3.0 2.5 1603 $3,750 $2.34 43d 1 0.78mi
2500 Insulator Dr Baltimore, MD 3.0 1.0–2.0 988 $4,786 $4.84 2d 152 0.78mi
808 E Fort Ave Baltimore, MD 3.0 2.0 2022 $3,000 $1.48 23d 1 0.80mi
709 Scott St Baltimore, MD 3.0 2.5 1448 $2,500 $1.73 23d 1 0.85mi
709 Scott St Baltimore, MD 3.0 3.0 1448 $2,500 $1.73 14d 1 0.85mi
610 Scott St Baltimore, MD 5.0 3.0 1700 $2,750 $1.62 12d 1 0.88mi
662 Washington Blvd Baltimore, MD 4.0 2.5 1300 $2,700 $2.08 43d 1 0.89mi
519 Scott St Unit 2 Baltimore, MD 3.0 3.0 1600 $3,000 $1.88 43d 1 0.90mi
108 Glass Ln Baltimore, MD 5.0 4.5 2132 $5,250 $2.46 23d 1 0.93mi
100 Glass Ln Baltimore, MD 4.0 4.5 2132 $4,900 $2.30 43d 1 0.93mi
508 Wyeth St Baltimore, MD 3.0 3.0 1234 $1,850 $1.50 43d 1 0.95mi

Listing history 42 events

  1. 2026-06-07
    status $275,000 Pending 35 DOM
  2. 2026-06-04
    days on market $275,000 Active 35 DOM
  3. 2026-06-03
    days on market $275,000 Active 34 DOM
  4. 2026-06-02
    days on market $275,000 Active 33 DOM
  5. 2026-06-01
    days on market $275,000 Active 32 DOM
  6. 2026-05-31
    days on market $275,000 Active 31 DOM
  7. 2026-05-14
    price $299,900 1756-char remark
  8. 2026-04-30
    listed $330,000 Active 1756-char remark
  9. 2022-08-10
    soldstatus $340,000
  10. 2022-06-17
    soldstatus $340,000 Closed 760-char remark
    Show marketing remark (760 chars)

    DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

  11. 2022-05-23
    status Pending 760-char remark
    Show marketing remark (760 chars)

    DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

  12. 2022-05-13
    price $339,900 760-char remark
    Show marketing remark (760 chars)

    DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

  13. 2022-04-26
    status Active 760-char remark
    Show marketing remark (760 chars)

    DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

  14. 2022-04-11
    status Pending 760-char remark
    Show marketing remark (760 chars)

    DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

  15. 2022-04-08
    price $349,900 760-char remark
    Show marketing remark (760 chars)

    DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

  16. 2022-03-18
    listed $359,900 Active 760-char remark
    Show marketing remark (760 chars)

    DESIGNER CUSTOM RENOVATION IN THE HEART OF FEDERAL HILL WITH 3 FINISHED LEVELS & OFF STREET PARKING! Features include hardwood flooring, exposed brick, and crown molding throughout the main level, an open floor plan with an inviting living room with electric fireplace, dining area, gourmet kitchen with granite counters, ss appliances, and soft close cabinets, main level half bath and mud room, upper level Primary bedroom suite with a glass enclosed shower, 2nd bedroom with a hall bath, a fully finished basement with 2 bedrooms (or 1 bedroom and a den) and 1 full bath with a spa shower, spacious 2nd level rear Trex deck, and off street parking! Located close to Federal Hill night life, restaurants, shopping, and stadiums! This one has it all!

  17. 2022-01-15
    historical
  18. 2021-12-23
    price $359,900
  19. 2021-09-24
    price $369,900
  20. 2021-08-26
    price $379,900
  21. 2021-07-23
    price $389,900
  22. 2021-06-29
    price $399,000
  23. 2021-06-17
    listed $399,989 Active
  24. 2006-07-25
    historical
  25. 2006-02-06
    listed
  26. 2004-10-25
    historical
  27. 2004-08-26
    listed
  28. 2004-07-12
    historical
  29. 2004-03-16
    listed
  30. 2003-10-10
    soldstatus $69,000
  31. 2003-08-27
    soldstatus $69,000
  32. 2003-07-19
    historical
  33. 2003-07-01
    listed $77,900
  34. 2003-07-01
    historical
  35. 2003-07-01
    listed
  36. 2003-05-15
    soldstatus $61,000
  37. 2003-04-28
    soldstatus $61,000
  38. 2003-03-18
    historical
  39. 2003-02-14
    listed $65,000
  40. 1998-01-28
    soldstatus $61,000
  41. 1996-11-05
    historical
  42. 1996-08-30
    listed

ⓘ 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
$6,858 · $571/mo
Projected year-2 tax
$6,858 · $571/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 ≥102°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
$36,840
− Mortgage interest
−$15,404
− Property taxes
−$6,858
− Insurance
−$1,375
− Repairs & maintenance
−$2,947
− Management
−$2,947
− Depreciation
−$8,000
Taxable loss
−$691
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$166
After-tax cash flow
$3,731/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)
32,977
Household income
$91,842
Rent vs Own
49.3% rent · 50.7% own
Severe rent burden
1463.0

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 0.63)
Race & ethnicity
White 55% Black 23% Hispanic / Latino 13% Two or more races 6% Asian 4%
Hispanic origin (detail)
Mexican 1% Puerto Rican 1%
Common ancestry
Romanian 5% Lithuanian 2% Italian 2%
Foreign-born
10% · Canada, China
Languages at home
85% English-only · Spanish 9% Other Indo-European 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
▼ -311.43%
Current HPI
284.338
Rent YoY
▼ -1.00%
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

+350.8% since first listed
38 events — show timeline
  • 2026-06-04 Pending BRIGHT MLS
  • 2026-05-19 Price Changed $275,000 BRIGHT MLS
  • 2026-05-14 Price Changed $299,900 BRIGHT MLS
  • 2026-04-30 Listed $330,000 BRIGHT MLS
  • 2022-08-10 Sold (Public Records) $340,000 Public Records
  • 2022-06-17 Sold (MLS) $340,000 BRIGHT MLS
  • 2022-05-23 Pending BRIGHT MLS
  • 2022-05-13 Price Changed $339,900 BRIGHT MLS
  • 2022-04-26 Relisted BRIGHT MLS
  • 2022-04-11 Pending BRIGHT MLS
  • 2022-04-08 Price Changed $349,900 BRIGHT MLS
  • 2022-03-18 Listed $359,900 BRIGHT MLS
  • 2022-01-15 Listing Removed BRIGHT MLS
  • 2021-12-23 Price Changed $359,900 BRIGHT MLS
  • 2021-09-24 Price Changed $369,900 BRIGHT MLS
  • 2021-08-26 Price Changed $379,900 BRIGHT MLS
  • 2021-07-23 Price Changed $389,900 BRIGHT MLS
  • 2021-06-29 Price Changed $399,000 BRIGHT MLS
  • 2021-06-17 Listed $399,989 BRIGHT MLS
  • 2006-07-25 Delisted MRIS
  • 2006-02-06 Listed MRIS
  • 2004-10-25 Delisted MRIS
  • 2004-08-26 Listed MRIS
  • 2004-07-12 Delisted MRIS
  • 2004-03-16 Listed MRIS
  • 2003-10-10 Sold (Public Records) $69,000 Public Records
  • 2003-08-27 Sold (MLS) $69,000 MRIS
  • 2003-07-19 Delisted MRIS
  • 2003-07-01 Delisted MRIS
  • 2003-07-01 Listed MRIS
  • 2003-07-01 Listed $77,900 MRIS
  • 2003-05-15 Sold (Public Records) $61,000 Public Records
  • 2003-04-28 Sold (MLS) $61,000 MRIS
  • 2003-03-18 Delisted MRIS
  • 2003-02-14 Listed $65,000 MRIS
  • 1998-01-28 Sold (Public Records) $61,000 Public Records
  • 1996-11-05 Delisted MRIS
  • 1996-08-30 Listed MRIS

Property tax history

+0.2%/yr

Latest (2025): $6,858 · +8.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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