1011 Hunter St Unit I-4 · Baltimore, MD
Flood risk 5/10 · Moderate
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.24%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $755 – $1,403
Heat risk 7/10 · Major
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 7 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D- 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).
- ARV discount +15.0/15.0
- 1% rule +9.2/10.0
- Cash flow +5.1/30.0
- Livability +3.8/5.0
- Rent growth +2.6/5.0
- Condition / age +2.5/5.0
- Schools +1.0/10.0
- DSCR +0.0/10.0
- Appreciation +0.0/10.0
$89,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome to this penthouse-level condo in the heart of historic Mount Vernon, offering breathtaking, unobstructed views of the Baltimore city skyline. From this elevated vantage point, you can enjoy spectacular sunsets, glowing city lights at night, and beautiful sunrises streaming through the exterior windows, filling the home with natural light throughout the day. This bright and airy one-bedroom, one-bathroom unit is ideal for anyone who loves sun-filled spaces, indoor plants, and stunning urban views. Large windows allow sunlight to pour into the home from morning to evening, creating a warm and inviting atmosphere high above the city. The carpets were replaced in 2024 and remain in immaculate condition, giving the unit a fresh, well-maintained feel. The washing machine was replaced in 2021, and both the HVAC system and water heater are regularly serviced by the building’s management company, providing convenience and peace of mind. The building also features elevator access, making it easy to reach this penthouse retreat. Located in the center of one of Baltimore’s most vibrant and historic neighborhoods, you are just steps from Mount Vernon Square and surrounded by the area’s famous coffee shops, restaurants, and cultural landmarks. Enjoy a quick bike ride or short drive to Little Italy and indulge in legendary spots like Vacaro’s, or explore everything the city has to offer right outside your door. Conveniently located near major destinations: 5 minutes to the Inner Harbor 5 minutes to Whole Foods 10 minutes to the Target shopping center in Canton 20 minutes to Towson Experience the beauty, charm, and convenience of city living at its finest in this sun-drenched penthouse condo with incredible skyline views and an unbeatable Mount Vernon location.
Key facts
- Large windows
- Natural light
- Unobstructed views
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 1-bed/1.0-bath condo listed at $90k.
Deal economics
- At list price, monthly cash flow is $-208 ($-2k/yr) — negative.
- To cash-flow at today's rent, offer at most $53k (40.8% below list).
- Meets the 1% rule at list price ($1k rent vs $90k).
- Recommended offer: $53k (40.8% below list) — sets the bar for cash-flow.
- Cap rate 3.5% vs local median 6.0% in Baltimore — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.
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: Elmer A. Henderson: A Johns Hopkins Partnership (math 2% / reading 16%, grade F, #650 of 860 statewide, top 77%, 642 students, 80% 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 32% at this address vs 12% district-wide (+20 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 flat; 135 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); 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 $622 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.
Negotiation context
- It's been on market 104 days — a 9% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 20y ago; this cycle's ask has dropped $5k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: HOA is 45% of rent.
- Climate carrying-cost: moderate flood risk; major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 104 days. Have you received any prior offers? Is the seller open to a 41% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.42% ✓
- Cap rate
- 3.52%
- Cash-on-cash
- -9.90%
- DSCR
- 0.56
- GRM
- 5.9
CMA / ARV
- ARV (median comp)
- $112,553
- List price
- $89,900
- Delta
- -20.13%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Projected returns pro-forma
-3.0% appreciation · 0.59% rent growth · sell at horizon
- IRR
- -40.0%
- Equity multiple
- -0.21×
- Total profit
- $-30,431
- Equity at exit
- $13,404
- IRR
- —
- Equity multiple
- -1.14×
- Total profit
- $-53,779
- Equity at exit
- $7,773
Cash invested: $25,172 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (CITY)
- 12 Strongly Tenant-Friendly
- State Maryland
- 27 Tenant-Leaning · D+14
- County
- — inherits STATE
- City Baltimore
- 12 Strongly Tenant-Friendly · D+58
ZIP-level market 21202
- Home prices YoY
- -8.0%
- Rents YoY
- 0.6%
- Active inventory
- 135
- Price-to-rent
- 5.9×
Monthly cashflow live
- Estimated rent
- $1,276 high interval (Pro) →
- Mortgage (P&I)
- −$471
- Tax from tax record
- −$133 /mo · $1,590/yr
- Insurance
- −$37
- HOA
- −$574
- Vacancy / Maint / Mgmt
- −$268
- Net cashflow
- $-208
Break-even live
Sensitivity live
| Price | -10% $-157 | -5% $-182 | +0% $-208 | +5% $-233 | +10% $-259 |
|---|---|---|---|---|---|
| Rent | -10% $-308 | -5% $-258 | +0% $-208 | +5% $-157 | +10% $-107 |
| Rate | -1.0pp $-162 | -0.5pp $-185 | base $-208 | +0.5pp $-231 | +1.0pp $-255 |
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
- $22,475
- Closing costs
- $2,697
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 214 E Chase St Unit 2 Baltimore, MD | 2.0 | 1.0 | 600 | $1,185 | $1.98 | 45d | 1 | 0.05mi |
| 1101 N Calvert St Baltimore, MD | 2.0 | 1.0–2.0 | 910 | $1,740 | $1.91 | 0d | 19 | 0.07mi |
| 1130 N Calvert St Baltimore, MD | — | 1.0 | 450 | $1,299 | $2.89 | 45d | 1 | 0.12mi |
| 1125 St Paul St Baltimore, MD | 1.0 | 1.0 | 450 | $1,000 | $2.22 | 26d | 1 | 0.14mi |
| 921 Saint Paul St Unit 921-C2 Baltimore, MD | 1.0 | 1.0 | 700 | $1,000 | $1.43 | 26d | 1 | 0.15mi |
| 921 Saint Paul St Unit 923-G2 Baltimore, MD | 1.0 | 1.0 | 509 | $890 | $1.75 | 6d | 1 | 0.15mi |
| 410 E Biddle St Unit 10E-2A Baltimore, MD | 1.0 | 1.0 | 600 | $925 | $1.54 | 45d | 1 | 0.16mi |
| 824 N Calvert St Baltimore, MD | 1.0 | 1.0 | 550 | $1,860 | $3.38 | 3d | 4 | 0.18mi |
| 906 Saint Paul St Unit 935-3F Baltimore, MD | 1.0 | 1.0 | 600 | $950 | $1.58 | 26d | 1 | 0.19mi |
| 1005 N Charles St Unit 1005-4D Baltimore, MD | 1.0 | 1.0 | 575 | $1,050 | $1.83 | 16d | 1 | 0.19mi |
| 810 Saint Paul St Unit T2 Baltimore, MD | 1.0 | 1.0 | 630 | $1,100 | $1.75 | 45d | 1 | 0.21mi |
| 110 E Preston St Unit 1 Baltimore, MD | 1.0 | 1.0 | 650 | $1,200 | $1.85 | 26d | 1 | 0.22mi |
| 1100 Greenmount Ave Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 839 | $1,325 | $1.58 | 4d | 1 | 0.22mi |
| 1312 Guilford Ave Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 1040 | $1,100 | $1.06 | 45d | 6 | 0.22mi |
| 1301 Saint Paul St Baltimore, MD | 3.0 | 1.0–3.0 | 1050 | $1,466 | $1.40 | 45d | 1 | 0.22mi |
| 1301 Saint Paul St Unit 1301-84 Baltimore, MD | 1.0 | 1.0 | 600 | $1,329 | $2.21 | 26d | 1 | 0.22mi |
| 1301 Saint Paul St Unit 1301-82 Baltimore, MD | 1.0 | 1.0 | 582 | $1,299 | $2.23 | 26d | 1 | 0.22mi |
| 1301 St Paul St #45 Baltimore, MD | 1.0 | 1.0 | 506 | $1,199 | $2.37 | 22d | 1 | 0.22mi |
| 100 E Preston St #82 Baltimore, MD | 1.0 | 1.0 | 600 | $1,399 | $2.33 | 26d | 1 | 0.23mi |
| 100 E Preston St #84 Baltimore, MD | 1.0 | 1.0 | 650 | $1,429 | $2.20 | 26d | 1 | 0.23mi |
| 9 E Read St Apt 2A Baltimore, MD | — | 1.0 | 500 | $1,020 | $2.04 | 45d | 1 | 0.23mi |
| 1201 N Charles St Baltimore, MD | 1.0 | 1.0 | 455 | $1,035 | $2.27 | 45d | 1 | 0.24mi |
| 9 E Read St Unit 2B Baltimore, MD | — | 1.0 | 500 | $975 | $1.95 | 19d | 1 | 0.24mi |
| 103 E Mt Royal Ave Baltimore, MD | 1.0–3.0 | 1.0–2.0 | 825 | $1,602 | $1.94 | 0d | 19 | 0.25mi |
| 24 E Madison St Unit B Baltimore, MD | — | 1.0 | 500 | $1,200 | $2.40 | 45d | 1 | 0.26mi |
| 24 E Madison St Unit H Baltimore, MD | — | 1.0 | 500 | $1,100 | $2.20 | 45d | 1 | 0.26mi |
| 24 E Madison St Unit D Baltimore, MD | 1.0 | 1.0 | 750 | $1,375 | $1.83 | 13d | 1 | 0.26mi |
| 1214 N Charles St Baltimore, MD | 2.0 | 1.0–2.0 | 1103 | $1,833 | $1.66 | 3d | 14 | 0.27mi |
| 1303 N Charles St Unit 4 Baltimore, MD | — | 1.0 | 375 | $900 | $2.40 | 5d | 1 | 0.29mi |
| 9 E Mount Royal Ave Baltimore, MD | 1.0–2.0 | 1.0–2.0 | 724 | $1,566 | $2.16 | 3d | 15 | 0.29mi |
| 38 W Biddle St Unit 40-1R Baltimore, MD | — | 1.0 | 450 | $1,099 | $2.44 | 45d | 1 | 0.32mi |
| 38 W Biddle St Baltimore, MD | 2.0 | 1.0–2.0 | 750 | $1,364 | $1.82 | 6d | 1 | 0.32mi |
| 900 Cathedral St Baltimore, MD | 3.0 | 1.0 | 902 | $1,732 | $1.92 | 4d | 4 | 0.33mi |
| 716 Washington Pl Baltimore, MD | 2.0 | 1.0 | 663 | $1,751 | $2.64 | 26d | 1 | 0.34mi |
| 716 Washington Pl Baltimore, MD | 1.0 | 1.0 | 525 | $1,500 | $2.86 | 6d | 1 | 0.34mi |
| 101 W Read St Baltimore, MD | 2.0 | 1.0–2.0 | 773 | $1,830 | $2.37 | 5d | 16 | 0.34mi |
| 821 E Eager St Unit 21-3F Baltimore, MD | 1.0 | 1.0 | 700 | $999 | $1.43 | 6d | 1 | 0.34mi |
| 814 Cathedral St Unit 2M Baltimore, MD | — | 1.0 | 650 | $1,425 | $2.19 | 45d | 1 | 0.36mi |
| 831 E Chase St Baltimore, MD | 1.0 | 1.0 | 650 | $850 | $1.31 | 5d | 1 | 0.36mi |
| 816 Park Ave Unit 816-9 Baltimore, MD | 2.0 | 1.0 | 573 | $1,250 | $2.18 | 0d | 1 | 0.41mi |
HOA detail condo
- Monthly dues
- $574 · $6,888/yr
- Likely covers
- water
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 23 events
-
2026-06-21days on market $89,900 Active 104 DOM
-
2026-06-18days on market $89,900 Active 101 DOM
-
2026-06-17days on market $89,900 Active 100 DOM
-
2026-06-16days on market $89,900 Active 99 DOM
-
2026-06-15days on market $89,900 Active 98 DOM
-
2026-06-13days on market $89,900 Active 96 DOM
-
2026-06-09days on market $89,900 Active 92 DOM
-
2026-06-08days on market $89,900 Active 91 DOM
-
2026-06-07days on market $89,900 Active 90 DOM
-
2026-06-04days on market $89,900 Active 87 DOM
-
2026-06-03days on market $89,900 Active 86 DOM
-
2026-06-02days on market $89,900 Active 85 DOM
-
2026-06-01days on market $89,900 Active 84 DOM
-
2026-05-31days on market $89,900 Active 83 DOM
-
2026-03-31price $89,900 1807-char remark
Show marketing remark (1807 chars)
Welcome to this penthouse-level condo in the heart of historic Mount Vernon, offering breathtaking, unobstructed views of the Baltimore city skyline. From this elevated vantage point, you can enjoy spectacular sunsets, glowing city lights at night, and beautiful sunrises streaming through the exterior windows, filling the home with natural light throughout the day. This bright and airy one-bedroom, one-bathroom unit is ideal for anyone who loves sun-filled spaces, indoor plants, and stunning urban views. Large windows allow sunlight to pour into the home from morning to evening, creating a warm and inviting atmosphere high above the city. The carpets were replaced in 2024 and remain in immaculate condition, giving the unit a fresh, well-maintained feel. The washing machine was replaced in 2021, and both the HVAC system and water heater are regularly serviced by the building’s management company, providing convenience and peace of mind. The building also features elevator access, making it easy to reach this penthouse retreat. Located in the center of one of Baltimore’s most vibrant and historic neighborhoods, you are just steps from Mount Vernon Square and surrounded by the area’s famous coffee shops, restaurants, and cultural landmarks. Enjoy a quick bike ride or short drive to Little Italy and indulge in legendary spots like Vacaro’s, or explore everything the city has to offer right outside your door. Conveniently located near major destinations: 5 minutes to the Inner Harbor 5 minutes to Whole Foods 10 minutes to the Target shopping center in Canton 20 minutes to Towson Experience the beauty, charm, and convenience of city living at its finest in this sun-drenched penthouse condo with incredible skyline views and an unbeatable Mount Vernon location.
-
2026-03-09$94,900 Active 1807-char remark
Show marketing remark (1807 chars)
Welcome to this penthouse-level condo in the heart of historic Mount Vernon, offering breathtaking, unobstructed views of the Baltimore city skyline. From this elevated vantage point, you can enjoy spectacular sunsets, glowing city lights at night, and beautiful sunrises streaming through the exterior windows, filling the home with natural light throughout the day. This bright and airy one-bedroom, one-bathroom unit is ideal for anyone who loves sun-filled spaces, indoor plants, and stunning urban views. Large windows allow sunlight to pour into the home from morning to evening, creating a warm and inviting atmosphere high above the city. The carpets were replaced in 2024 and remain in immaculate condition, giving the unit a fresh, well-maintained feel. The washing machine was replaced in 2021, and both the HVAC system and water heater are regularly serviced by the building’s management company, providing convenience and peace of mind. The building also features elevator access, making it easy to reach this penthouse retreat. Located in the center of one of Baltimore’s most vibrant and historic neighborhoods, you are just steps from Mount Vernon Square and surrounded by the area’s famous coffee shops, restaurants, and cultural landmarks. Enjoy a quick bike ride or short drive to Little Italy and indulge in legendary spots like Vacaro’s, or explore everything the city has to offer right outside your door. Conveniently located near major destinations: 5 minutes to the Inner Harbor 5 minutes to Whole Foods 10 minutes to the Target shopping center in Canton 20 minutes to Towson Experience the beauty, charm, and convenience of city living at its finest in this sun-drenched penthouse condo with incredible skyline views and an unbeatable Mount Vernon location.
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2007-03-29soldstatus $185,000
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2007-03-29soldstatus $185,000
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2007-02-26soldstatus $190,000 408-char remark
Show marketing remark (408 chars)
JUST REDUCED! Fully Renovated TOP FLOOR condo @ St. Cloud w/ awesome views of the city! Home features blonde pergo floors, 9'ceilings, open floor plan, granite countertops & stainless steel appl. in kitchen, oversized soaking tub in bath w/ marble floor, spacious master BR, W/ D, CAC, lots of closet space, & tons of natural light! BEST BUY IN MT. VERNON! Condo has just been painted! A must see!
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2007-01-19historical 408-char remark
Show marketing remark (408 chars)
JUST REDUCED! Fully Renovated TOP FLOOR condo @ St. Cloud w/ awesome views of the city! Home features blonde pergo floors, 9'ceilings, open floor plan, granite countertops & stainless steel appl. in kitchen, oversized soaking tub in bath w/ marble floor, spacious master BR, W/ D, CAC, lots of closet space, & tons of natural light! BEST BUY IN MT. VERNON! Condo has just been painted! A must see!
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2006-10-17$190,000 408-char remark
Show marketing remark (408 chars)
JUST REDUCED! Fully Renovated TOP FLOOR condo @ St. Cloud w/ awesome views of the city! Home features blonde pergo floors, 9'ceilings, open floor plan, granite countertops & stainless steel appl. in kitchen, oversized soaking tub in bath w/ marble floor, spacious master BR, W/ D, CAC, lots of closet space, & tons of natural light! BEST BUY IN MT. VERNON! Condo has just been painted! A must see!
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2006-10-17historical
Show marketing remark (408 chars)
JUST REDUCED! Fully Renovated TOP FLOOR condo @ St. Cloud w/ awesome views of the city! Home features blonde pergo floors, 9'ceilings, open floor plan, granite countertops & stainless steel appl. in kitchen, oversized soaking tub in bath w/ marble floor, spacious master BR, W/ D, CAC, lots of closet space, & tons of natural light! BEST BUY IN MT. VERNON! Condo has just been painted! A must see!
-
2006-05-23
ⓘ 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
- $1,590 · $133/mo
- Projected year-2 tax
- $1,590 · $133/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 5/10 Major FEMA zone X (unshaded) · 24% 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 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
- $15,307
- − Mortgage interest
- −$5,036
- − Property taxes
- −$1,590
- − Insurance
- −$450
- − Repairs & maintenance
- −$1,225
- − Management
- −$1,225
- − HOA
- −$6,888
- − Depreciation
- −$2,615
- Taxable loss
- −$3,720
- Est. tax savings @ 24.0%
- +$893
- After-tax cash flow
- $-1,599/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Baltimore City Public Schools
- NCES district ID
- 2400090
- Math proficiency
- 7% ▼ -9.00%
- Reading proficiency
- 16% ▼ -5.00%
- Median HH income
- $42,108
- Composite
- 10.08/100
- National rank
- #9805
- State rank
- #24 of 24 in MD
Livability — Baltimore
- Score
- 76/100
- State rank
- #90
- US rank
- #3396
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Baltimore, MD
- County
- Baltimore City · 558,601 people
- City population
- 588,727
- Metro
- Baltimore-Columbia-Towson, MD
- Population (ZIP)
- 20,683
- Household income
- $59,377
- Rent vs Own
- Severe rent burden
- 1863.0
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
- Black 52% White 31% Hispanic / Latino 7% Two or more races 6% Asian 5%
- Hispanic origin (detail)
- Mexican 2%
- Common ancestry
- Lithuanian 2% Romanian 2% Slovak 1%
- Foreign-born
- 12% · Canada, South Korea, China
- Languages at home
- 87% English-only · Spanish 4% Other Indo-European 2% Arabic 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
- ▼ -25.44%
- Current HPI
- 291.3702
- Rent YoY
- ▲ 0.59%
- 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 |
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| Hotels | 1 | $24B |
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| Consumer Goods | 1 | $7B |
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| Real Estate | 1 | $6B |
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| Chemicals | 1 | $2B |
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Price history
-52.7% since first listed9 events — show timeline
- 2026-03-31 Price Changed $89,900 BRIGHT MLS
- 2026-03-09 Listed $94,900 BRIGHT MLS
- 2007-03-29 Sold (Public Records) $185,000 Public Records
- 2007-03-29 Sold (Public Records) $185,000 Public Records
- 2007-02-26 Sold (MLS) $190,000 MRIS
- 2007-01-19 Delisted — MRIS
- 2006-10-17 Delisted — MRIS
- 2006-10-17 Listed $190,000 MRIS
- 2006-05-23 Listed — MRIS
Property tax history
-4.8%/yrLatest (2025): $1,590 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…