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3418 E Baltimore St
B Composite 72.53
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 +28.8/30.0
  • ARV discount +15.0/15.0
  • DSCR +10.0/10.0
  • 1% rule +8.6/10.0
  • Livability +3.8/5.0
  • Rent growth +2.8/5.0
  • Condition / age +2.5/5.0
  • Schools +1.0/10.0
  • Appreciation +0.0/10.0

$180,000

3418 E Baltimore St · Baltimore, MD 21224
3 bd · 2.0 ba · 2,024 sqft · Townhouse public records · 62 Days on market
Built 1900 871 sqft lot $89/sqft · 21% below area Est $227k · 21% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to this move in ready 3 bedroom, 2 full bath row home located in N Highlandtown. The main floor boasts wood floors and high cielings throughout. Entering brings you into a large living area which opens straight into a formal dining area followed by the kitchen. A rear door off of the kitchen opens up to the small metal rear deck that walks down into the fully fenced rear yard. Upstairs is fully carpeted with two large bedrooms and a full bath with double vanities and a tub/shower combo. Taking the stairs to the basement brings you to another fully finished floor with a bedroom, as well as a potential 4th bedroom and a full bath with a walk in shower. In the rear of the basement is a large storage/mechanical/laundry room which has a walkout level door that walks out into the rear yard. This house is clean, move in ready and waiting for you to call it home!

Key facts

  • Wood floors
  • Formal dining area
  • Fully finished floor

Tags

WOOD FLOORSHIGH CEILINGSFORMAL DINING AREASMALL METAL REAR DECKFULLY FENCED REAR YARDFULLY FINISHED 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 3-bed/2.0-bath townhouse listed at $180k.

Deal economics

  • At list price, monthly cash flow is $606 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $180k).
  • Recommended offer: $169k (6.0% below list) — sets the bar for market timing.
  • Cap rate 10.3% 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 (+1.3%/yr); 391 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); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).
  • This rent runs 33% of the median local income ($89k/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 $1k of loan paydown is wiped out by about $5k 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 + 1.3% rent growth), your $50k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 62 days — a 6% lower offer ($169k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 19y ago; this cycle's ask has dropped $19k (10%) 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 $169,200 (6.0% below list)

Questions for the listing agent

  1. It's been on market 62 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 1900 — 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
1.36%
Cap rate
10.34%
Cash-on-cash
14.44%
DSCR
1.64
GRM
6.1

CMA / ARV

ARV (median comp)
$227,050
List price
$180,000
Delta
-20.72%
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
246 S East Ave 0.30mi 3/2.0 2,050 (+1%) 0mo $324,900 $158 84
21 S Linwood Ave 0.39mi 3/2.5 1,912 (-6%) 0mo $490,000 $256 70
234 S Highland Ave 0.22mi 3/3.5 1,848 (-9%) 0mo $417,500 $226 69
615 S Clinton St 0.52mi 3/3.5 2,127 (+5%) 0mo $460,000 $216 61
263 S East Ave 0.30mi 2/2.0 (-1) 1,767 (-13%) 0mo $375,000 $212 60
633 S Linwood Ave S 0.67mi 3/2.5 1,935 (-4%) 0mo $351,000 $181 59
708 S Conkling St 0.58mi 4/3.5 (+1) 2,073 (+2%) 0mo $475,000 $229 58
38 S Curley St 0.38mi 3/1.0 1,729 (-15%) 0mo $181,100 $105 54
3121 Mcelderry St 0.43mi 3/3.0 2,316 (+14%) 0mo $269,900 $117 52
731 S Conkling St 0.61mi 4/3.5 (+1) 1,836 (-9%) 0mo $480,000 $261 44
802 S Potomac St 0.74mi 3/3.0 1,755 (-13%) 0mo $435,000 $248 39
730 S Decker Ave 0.67mi 4/3.5 (+1) 1,740 (-14%) 0mo $564,900 $325 34

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 · 1.31% rent growth · sell at horizon

5-year hold
IRR
2.9%
Equity multiple
1.11×
Total profit
$5,457
Equity at exit
$26,839
10-year hold
IRR
10.7%
Equity multiple
1.77×
Total profit
$38,633
Equity at exit
$15,563

Cash invested: $50,400 (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 21224

Rents YoY
1.3%
Active inventory
391
Price-to-rent
6.1×

Monthly cashflow live

Estimated rent
$2,442 high interval (Pro) →
Mortgage (P&I)
$944
Tax from tax record
$304 /mo · $3,650/yr
Insurance
$75
HOA
$0
Vacancy / Maint / Mgmt
$513
Net cashflow
$606

Break-even live

Break-even rent $1,675
Max offer price $180,000
Occupancy floor 70%

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
$45,000
Closing costs
$5,400
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
3436 Leverton Ave Baltimore, MD 3.0 3.5 1500 $2,350 $1.57 23d 1 0.09mi
3304 E Baltimore St Baltimore, MD 3.0 1.5 1514 $1,875 $1.24 43d 1 0.09mi
3502 E Lombard St Baltimore, MD 3.0 2.0 1522 $1,870 $1.23 43d 1 0.11mi
3212 E Baltimore St Baltimore, MD 2.0 3.0 1931 $2,350 $1.22 23d 1 0.16mi
127 S Robinson St Baltimore, MD 2.0 1.5 1400 $2,000 $1.43 43d 1 0.24mi
10 N Ellwood Ave Baltimore, MD 4.0 2.5 1768 $2,500 $1.41 43d 1 0.25mi
113 N Decker Ave Baltimore, MD 3.0 3.5 1800 $2,850 $1.58 23d 1 0.27mi
249 S East Ave Baltimore, MD 2.0 2.0 1680 $2,250 $1.34 23d 1 0.30mi
300 S Robinson St Baltimore, MD 4.0 3.5 2604 $3,500 $1.34 43d 1 0.37mi
3304 McElderry St Baltimore, MD 3.0 2.0 1413 $1,900 $1.34 43d 1 0.39mi
11 N Streeper St Baltimore, MD 3.0 3.5 1800 $2,600 $1.44 43d 1 0.42mi
10 N Streeper St Baltimore, MD 3.0 2.5 1440 $2,500 $1.74 23d 1 0.43mi
2903 Jefferson St Baltimore, MD 3.0 3.0 1609 $1,850 $1.15 43d 1 0.46mi
2800 Orleans St Baltimore, MD 3.0 1.0 1404 $1,600 $1.14 17d 1 0.49mi
2800 Orleans St Baltimore, MD 3.0 1.0 1404 $1,600 $1.14 14d 1 0.49mi
502 S Haven St Baltimore, MD 2.0 2.5 1440 $2,400 $1.67 16d 1 0.57mi
502 S Haven St Baltimore, MD 2.0 2.5 1440 $2,400 $1.67 23d 1 0.57mi
2619 E Fayette St Baltimore, MD 3.0 2.0 1600 $1,900 $1.19 43d 1 0.58mi
718 N Curley St Baltimore, MD 3.0 3.0 1500 $2,000 $1.33 4d 1 0.60mi
622 S Ellwood Ave Baltimore, MD 3.0 2.0 1906 $2,800 $1.47 43d 1 0.60mi
724 N Curley St Baltimore, MD 3.0 3.0 1500 $2,200 $1.47 4d 1 0.61mi
611 Grundy St Baltimore, MD 3.0 2.0 1434 $2,700 $1.88 23d 1 0.61mi
733 N Linwood Ave Baltimore, MD 4.0 3.0 2410 $2,150 $0.89 43d 1 0.63mi
533 N Lakewood Ave Baltimore, MD 4.0 3.5 1758 $4,500 $2.56 43d 1 0.63mi
537 N Lakewood Ave Baltimore, MD 3.0 3.5 1755 $2,050 $1.17 43d 1 0.63mi
233 N Luzerne Ave Baltimore, MD 3.0 2.5 1700 $2,250 $1.32 21d 1 0.63mi
133 S Macon St Baltimore, MD 2.0 2.5 1440 $2,400 $1.67 17d 1 0.64mi
809 N Curley St Baltimore, MD 3.0 1.0 1746 $1,400 $0.80 21d 1 0.64mi
3245 Fait Ave Baltimore, MD 3.0 2.0 1470 $2,900 $1.97 43d 1 0.67mi
227 N Rose St Baltimore, MD 2.0 4.0 1420 $1,600 $1.13 23d 1 0.67mi
602 S Streeper St Baltimore, MD 4.0 3.0 1980 $3,200 $1.62 23d 1 0.68mi
214 S Newkirk St Unit 214 Baltimore, MD 3.0 5.0 2000 $3,000 $1.50 43d 1 0.68mi
224 S Newkirk St Baltimore, MD 3.0 3.5 1600 $3,300 $2.06 20d 1 0.69mi
228 S Newkirk St Baltimore, MD 3.0 3.5 1620 $3,000 $1.85 43d 1 0.69mi
230 S Newkirk St Baltimore, MD 3.0 3.5 1600 $3,000 $1.88 17d 1 0.69mi
822 S Highland Ave Baltimore, MD 4.0 3.0 1508 $3,500 $2.32 21d 1 0.70mi
539 N Luzerne Ave Baltimore, MD 3.0 2.5 1702 $2,300 $1.35 43d 1 0.70mi
3703 Hudson St Baltimore, MD 4.0 3.0 1958 $3,350 $1.71 23d 1 0.75mi
3036 Hudson St Baltimore, MD 2.0 2.5 1428 $2,600 $1.82 43d 1 0.76mi
939 S Baylis St Baltimore, MD 3.0 3.0 1606 $3,500 $2.18 17d 1 0.78mi

Listing history 28 events

  1. 2026-05-04
    price $180,000 875-char remark
    Show marketing remark (875 chars)

    Welcome to this move in ready 3 bedroom, 2 full bath row home located in N Highlandtown. The main floor boasts wood floors and high cielings throughout. Entering brings you into a large living area which opens straight into a formal dining area followed by the kitchen. A rear door off of the kitchen opens up to the small metal rear deck that walks down into the fully fenced rear yard. Upstairs is fully carpeted with two large bedrooms and a full bath with double vanities and a tub/shower combo. Taking the stairs to the basement brings you to another fully finished floor with a bedroom, as well as a potential 4th bedroom and a full bath with a walk in shower. In the rear of the basement is a large storage/mechanical/laundry room which has a walkout level door that walks out into the rear yard. This house is clean, move in ready and waiting for you to call it home!

  2. 2026-04-28
    price $185,000 875-char remark
    Show marketing remark (875 chars)

    Welcome to this move in ready 3 bedroom, 2 full bath row home located in N Highlandtown. The main floor boasts wood floors and high cielings throughout. Entering brings you into a large living area which opens straight into a formal dining area followed by the kitchen. A rear door off of the kitchen opens up to the small metal rear deck that walks down into the fully fenced rear yard. Upstairs is fully carpeted with two large bedrooms and a full bath with double vanities and a tub/shower combo. Taking the stairs to the basement brings you to another fully finished floor with a bedroom, as well as a potential 4th bedroom and a full bath with a walk in shower. In the rear of the basement is a large storage/mechanical/laundry room which has a walkout level door that walks out into the rear yard. This house is clean, move in ready and waiting for you to call it home!

  3. 2026-04-16
    price $190,000 875-char remark
    Show marketing remark (875 chars)

    Welcome to this move in ready 3 bedroom, 2 full bath row home located in N Highlandtown. The main floor boasts wood floors and high cielings throughout. Entering brings you into a large living area which opens straight into a formal dining area followed by the kitchen. A rear door off of the kitchen opens up to the small metal rear deck that walks down into the fully fenced rear yard. Upstairs is fully carpeted with two large bedrooms and a full bath with double vanities and a tub/shower combo. Taking the stairs to the basement brings you to another fully finished floor with a bedroom, as well as a potential 4th bedroom and a full bath with a walk in shower. In the rear of the basement is a large storage/mechanical/laundry room which has a walkout level door that walks out into the rear yard. This house is clean, move in ready and waiting for you to call it home!

  4. 2026-04-08
    price $1,750
  5. 2026-03-28
    listed $199,000 Active 875-char remark
    Show marketing remark (875 chars)

    Welcome to this move in ready 3 bedroom, 2 full bath row home located in N Highlandtown. The main floor boasts wood floors and high cielings throughout. Entering brings you into a large living area which opens straight into a formal dining area followed by the kitchen. A rear door off of the kitchen opens up to the small metal rear deck that walks down into the fully fenced rear yard. Upstairs is fully carpeted with two large bedrooms and a full bath with double vanities and a tub/shower combo. Taking the stairs to the basement brings you to another fully finished floor with a bedroom, as well as a potential 4th bedroom and a full bath with a walk in shower. In the rear of the basement is a large storage/mechanical/laundry room which has a walkout level door that walks out into the rear yard. This house is clean, move in ready and waiting for you to call it home!

  6. 2026-03-18
    price $1,800
  7. 2026-02-18
    listed $1,900
  8. 2022-03-03
    price $1,600
  9. 2009-11-10
    soldstatus $195,000
  10. 2009-07-15
    historical 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  11. 2009-07-07
    soldstatus $195,000 Sold 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  12. 2009-07-07
    soldstatus $195,000
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  13. 2009-05-20
    historical
  14. 2009-04-03
    price $189,999 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  15. 2008-12-11
    price $198,000 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  16. 2008-11-21
    price $209,000 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  17. 2008-10-31
    price $212,000 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  18. 2008-10-07
    price $219,000 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  19. 2008-09-20
    listed $222,150 365-char remark
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  20. 2008-09-20
    listed $189,999
    Show marketing remark (365 chars)

    HUGE REDUC -$$35K!! Grgeous 2008 total REHAB ready to move in. OVERSIZED Townhome with LARGE open flrplan: gleaming hardwoods, dual sep. sinks in full bath, custom tile, privacy fenced in rear yard, 14 ft. ceilings, TWO Extra rooms in Basement-Fully Finished incl. bath. This is your urban customized dream home! Own for less than you can rent!Close to EVERYTHING!!

  21. 2008-02-29
    historical
  22. 2008-02-27
    soldstatus $90,500
  23. 2007-12-13
    price
  24. 2007-10-21
    listed
  25. 2007-09-01
    historical
  26. 2007-07-26
    price
  27. 2007-06-15
    listed
  28. 1984-08-29
    soldstatus $32,000

ⓘ 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
$3,650 · $304/mo
Projected year-2 tax
$3,650 · $304/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
$29,309
− Mortgage interest
−$10,083
− Property taxes
−$3,650
− Insurance
−$900
− Repairs & maintenance
−$2,345
− Management
−$2,345
− Depreciation
−$5,236
Taxable income
$4,751
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,140
After-tax cash flow
$6,137/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)
47,465
Household income
$89,017
Rent vs Own
41.5% rent · 58.5% own
Severe rent burden
1786.0

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 0.62)
Race & ethnicity
White 55% Hispanic / Latino 21% Black 16% Two or more races 7% Asian 4%
Hispanic origin (detail)
Mexican 4% Puerto Rican 2% Dominican 1%
Common ancestry
Romanian 5% Lithuanian 2% Italian 1%
Foreign-born
17% · Canada, China, Vietnam
Languages at home
76% English-only · Spanish 18% Other Indo-European 2% Russian/Polish/Slavic 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
▼ -332.23%
Current HPI
241.284
Rent YoY
▲ 1.31%
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

+462.5% since first listed
28 events — show timeline
  • 2026-05-04 Price Changed $180,000 BRIGHT MLS
  • 2026-04-28 Price Changed $185,000 BRIGHT MLS
  • 2026-04-16 Price Changed $190,000 BRIGHT MLS
  • 2026-04-08 Price Changed $1,750 BRIGHTMLS
  • 2026-03-28 Listed $199,000 BRIGHT MLS
  • 2026-03-18 Price Changed $1,800 BRIGHTMLS
  • 2026-02-18 Listed for Rent $1,900 BRIGHTMLS
  • 2022-03-03 Price Changed $1,600 RENT.
  • 2009-11-10 Sold (Public Records) $195,000 Public Records
  • 2009-07-15 Delisted MRIS
  • 2009-07-07 Sold (MLS) $195,000 BRIGHT MLS
  • 2009-07-07 Sold (MLS) $195,000 MRIS
  • 2009-05-20 Listing Removed BRIGHT MLS
  • 2009-04-03 Price Changed $189,999 MRIS
  • 2008-12-11 Price Changed $198,000 MRIS
  • 2008-11-21 Price Changed $209,000 MRIS
  • 2008-10-31 Price Changed $212,000 MRIS
  • 2008-10-07 Price Changed $219,000 MRIS
  • 2008-09-20 Listed $222,150 MRIS
  • 2008-09-20 Listed $189,999 BRIGHT MLS
  • 2008-02-29 Delisted MRIS
  • 2008-02-27 Sold (Public Records) $90,500 Public Records
  • 2007-12-13 Price Changed MRIS
  • 2007-10-21 Listed MRIS
  • 2007-09-01 Delisted MRIS
  • 2007-07-26 Price Changed MRIS
  • 2007-06-15 Listed MRIS
  • 1984-08-29 Sold (Public Records) $32,000 Public Records

Property tax history

+2.3%/yr

Latest (2025): $3,650 · +6.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…