40 E Barney St · Baltimore, MD 21230

$235,000

3 bd · 1.5 ba · 1,028 sqft · Townhouse public records · 1 Days on market

Built 1850 4,356 sqft lot $229/sqft · 24% below area Est $307k · 24% 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 +17.0/30.0
• ARV discount +15.0/15.0
• 1% rule +5.6/10.0
• DSCR +5.3/10.0
• 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

Listing remarks MLS

Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

Key facts

• Updated kitchen
• Granite countertops
• Rear deck patio

Tags

• EXPOSED BRICK ACCENT WALL
• UPDATED KITCHEN
• STAINLESS STEEL APPLIANCES
• GRANITE COUNTERTOPS
• FINISHED LOWER LEVEL
• REAR DECK PATIO

🏷️ Possibly a rental listed for sale. The $235,000 price doesn't fit this home's estimated sale value (~$307,330) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $235k.

Deal economics

• At list price, monthly cash flow is $159 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $235k).

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 18d 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 33% 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 $7k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 14 sale attempts since 29y ago; this cycle's ask is 11951% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1850 — 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 $235,000

Questions for the listing agent

1. Built in 1850 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 1.06% ✓
• Cap rate: 7.11%
• Cash-on-cash: 2.90%
• DSCR: 1.13
• GRM: 7.8

CMA / ARV

• ARV (median comp): $307,330
• List price: $235,000
• Delta: -20.77%
• 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
1513 Byrd St	0.20mi	3/2.5	1,022 (-1%)	2mo	$330,000	$323	84
1720 Byrd St	0.09mi	2/1.5 (-1)	960 (-7%)	2mo	$275,000	$286	78
1526 S Hanover St	0.24mi	2/1.5 (-1)	960 (-7%)	2mo	$185,000	$193	71
213 Grindall St	0.56mi	3/2.0	1,043 (+2%)	2mo	$270,000	$259	68
122 Burnett St	0.40mi	2/2.5 (-1)	984 (-4%)	1mo	$310,000	$315	64
443 E Gittings St	0.42mi	2/1.0 (-1)	1,100 (+7%)	2mo	$245,000	$223	60
3 East Ostend St	0.35mi	2/1.5 (-1)	1,148 (+12%)	2mo	$275,000	$240	58
1405 Covington St	0.44mi	2/1.0 (-1)	1,124 (+9%)	0mo	$315,000	$280	57
29 E Henrietta St	0.64mi	2/1.0 (-1)	1,067 (+4%)	1mo	$250,000	$234	56
30 E Wheeling St	0.63mi	2/2.5 (-1)	1,104 (+7%)	1mo	$200,000	$181	48
30 E Hamburg St	0.60mi	2/1.0 (-1)	924 (-10%)	1mo	$210,000	$227	48
911 S Charles St #403	0.64mi	2/2.0 (-1)	905 (-12%)	1mo	$200,000	$221	42

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: -15.5%
• Equity multiple: 0.47×
• Total profit: $-35,107
• Equity at exit: $35,039

10-year hold

• IRR: -14.0%
• Equity multiple: 0.31×
• Total profit: $-45,176
• Equity at exit: $20,319

Cash invested: $65,800 (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 21230

• Rents YoY: -1.0%
• Active inventory: 362
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $2,498 high
• Mortgage (P&I): −$1,232
• Tax from tax record: −$484 /mo · $5,805/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$525
• Net cashflow: $159

Break-even live

Break-even rent $2,296

Max offer price $235,000

Occupancy floor 89%

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1710 Marshall St Baltimore, MD	2.0	1.0	1110	$2,500	$2.25	44d	1	0.02mi
1702 Light St Unit 302 Baltimore, MD	2.0	2.0	735	$2,300	$3.13	18d	1	0.03mi
49 E Heath St Baltimore, MD	2.0	1.5	858	$1,800	$2.10	11d	1	0.04mi
1703 Patapsco St Baltimore, MD	4.0	4.5	960	$3,000	$3.12	24d	1	0.05mi
1807 Westphal Pl Baltimore, MD	2.0	2.5	1378	$2,500	$1.81	4d	1	0.08mi
1815 S Charles St Baltimore, MD	2.0	2.0	1208	$2,100	$1.74	44d	1	0.11mi
1631 S Charles St Baltimore, MD	2.0	3.0	1460	$2,607	$1.79	4d	1	0.11mi
1600 Light St Unit C Baltimore, MD	3.0	2.0	1500	$1,800	$1.20	11d	1	0.11mi
1839 S Charles St Baltimore, MD	3.0	2.5	1238	$2,600	$2.10	44d	1	0.12mi
8 E Randall St Baltimore, MD	2.0	2.5	1148	$2,600	$2.26	4d	1	0.15mi
1942 Light St Baltimore, MD	2.0	2.5	1150	$2,200	$1.91	22d	1	0.17mi
103 E Wells St Baltimore, MD	1.0–2.0	1.0	1008	$2,415	$2.39	2d	11	0.17mi
1746 S Hanover St Baltimore, MD	3.0	2.0	1490	$2,700	$1.81	11d	1	0.18mi
1718 S Hanover St Baltimore, MD	2.0	2.5	1296	$2,700	$2.08	24d	1	0.18mi
1601 S Hanover St Apt 1R Baltimore, MD	2.0	1.0	900	$1,600	$1.78	2d	1	0.19mi
1503 S Charles St Unit 2 Baltimore, MD	2.0	2.0	1100	$2,375	$2.16	44d	1	0.20mi
1608 S Hanover St Baltimore, MD	3.0	3.5	1346	$3,000	$2.23	18d	1	0.20mi
1900 S Hanover St Baltimore, MD	3.0	1.0–2.0	875	$3,932	$4.49	2d	66	0.21mi
111 W Heath St Baltimore, MD	2.0	1.0–2.5	1263	$2,850	$2.26	3d	7	0.24mi
110 Birckhead St Baltimore, MD	2.0	2.5	1220	$2,750	$2.25	44d	1	0.24mi
1516 Clarkson St Baltimore, MD	2.0	1.5	1050	$1,795	$1.71	24d	1	0.27mi
118 E Gittings St Baltimore, MD	3.0	2.5	1148	$2,600	$2.26	24d	1	0.31mi
1303 Patapsco St Baltimore, MD	2.0	2.5	1200	$3,000	$2.50	3d	1	0.31mi
1444 Henry St Baltimore, MD	2.0	2.5	1248	$2,950	$2.36	15d	1	0.33mi
1290 Battery Ave Baltimore, MD	2.0	2.5	968	$2,900	$3.00	24d	1	0.33mi
1403 Race St Baltimore, MD	3.0	3.0	1008	$2,200	$2.18	44d	1	0.34mi
1312 S Hanover St Apt 3 Baltimore, MD	2.0	1.0	750	$2,200	$2.93	44d	1	0.35mi
1211 Light St Baltimore, MD	2.0	2.0	921	$2,172	$2.36	24d	1	0.38mi
126 Burnett St Baltimore, MD	2.0	2.5	984	$2,200	$2.24	24d	1	0.39mi
1201 S Charles St Baltimore, MD	2.0–3.0	2.0	1341	$2,350	$1.75	4d	4	0.40mi
1409 Covington St Baltimore, MD	2.0	2.0	1458	$2,300	$1.58	4d	1	0.41mi
250 Mission Blvd Baltimore, MD	2.0	1.0–2.0	790	$3,406	$4.31	2d	21	0.42mi
639 Harvey St Unit 1 Baltimore, MD	2.0	1.5	1188	$3,000	$2.53	44d	1	0.48mi
2450 Rye St Baltimore, MD	2.0	1.0–2.0	926	$3,789	$4.09	2d	31	0.48mi
1103 Light St Unit B Baltimore, MD	2.0	2.0	1295	$1,845	$1.42	24d	1	0.48mi
1103 Light St Unit B Baltimore, MD	2.0	2.0	1295	$1,845	$1.42	44d	1	0.48mi
1111 Light St Baltimore, MD	2.0	1.0–2.0	982	$2,449	$2.49	4d	13	0.49mi
101 W Cross St Baltimore, MD	2.0	1.0–2.0	937	$3,332	$3.55	2d	23	0.50mi
651 E Clement St Baltimore, MD	3.0	3.5	1292	$2,800	$2.17	44d	1	0.50mi
803 E Fort Ave Unit 1 Baltimore, MD	2.0	1.0	1100	$2,300	$2.09	4d	1	0.52mi

Listing history 50 events

1. 2026-06-19
   status $235,000 Active 1 DOM
2. 2026-06-18
   remarks 693-char remark
3. 2026-06-18
   pricestatusdays on marketlisting id $235,000 Coming Soon 1 DOM
4. 2026-05-31
   days on market $243,500 Active 236 DOM
5. 2026-04-15
   price $243,500 685-char remark

   Show marketing remark (685 chars)

   Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

6. 2026-02-08
   price $249,900 685-char remark

   Show marketing remark (685 chars)

   Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

7. 2026-01-14
   historical $1,950
8. 2026-01-13
   price $254,900 685-char remark

   Show marketing remark (685 chars)

   Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

9. 2025-12-07
   listed $1,950
10. 2025-12-02
    price $265,000 685-char remark

    Show marketing remark (685 chars)

    Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

11. 2025-11-15
    price $269,900 685-char remark

    Show marketing remark (685 chars)

    Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

12. 2025-10-16
    price $275,000 685-char remark

    Show marketing remark (685 chars)

    Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

13. 2025-10-07
    listed $285,000 Active 685-char remark

    Show marketing remark (685 chars)

    Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

14. 2025-09-28
    historical $285,000 685-char remark

    Show marketing remark (685 chars)

    Location! Location! Location! Welcome to this GEM located in the Riverside Historic District nestled between Federal Hill and Locust Point in Baltimore City! An end of group townhome featuring two bedrooms, and a third bedroom/rec room in the basement, exposed brick, gleaming hardwood floors, a renovated kitchen with stainless steel appliances, unique lighting, cabinetry, and a breakfast bar, updated bathrooms, rear deck with walk-down that can be repurposed to create off street parking, and so much more! Perfect for homebuyers or investors looking for a turnkey property in a highly desirable location. THIS HOME IS ALSO AVAILABLE FOR RENT IN THE AMOUNT OF $1950.00 PER MONTH!!!

15. 2025-02-08
    historical $1,950
16. 2025-01-18
    price $1,950
17. 2025-01-01
    price $2,100
18. 2024-12-30
    listed $1,900
19. 2022-09-22
    soldstatus $260,000
20. 2022-05-20
    soldstatus $260,000 Closed 760-char remark

    Show marketing remark (760 chars)

    Don’t miss the opportunity to own a charming end-unit townhome located only two short blocks from Riverside Park! The inviting living room boasts an exposed brick wall and hardwood floors. A gorgeous eat-in kitchen hosts granite counters, stainless steel appliances, a breakfast bar, modern tile backsplash, sleek pendant lighting, gas cooking and soft-close cabinets. There are two generously sized bedrooms and a full bath with a spa-like soaking tub with chic tiling on the upper level. On the lower level you will find a fully finished family room or potential for a 3rd bedroom and powder room. Enjoy your morning coffee on the delightful deck. Or remove the deck to create off-street parking. Updates: Energy efficient A/C System, Updated Kitchen

21. 2022-04-24
    status Pending 760-char remark

    Show marketing remark (760 chars)

    Don’t miss the opportunity to own a charming end-unit townhome located only two short blocks from Riverside Park! The inviting living room boasts an exposed brick wall and hardwood floors. A gorgeous eat-in kitchen hosts granite counters, stainless steel appliances, a breakfast bar, modern tile backsplash, sleek pendant lighting, gas cooking and soft-close cabinets. There are two generously sized bedrooms and a full bath with a spa-like soaking tub with chic tiling on the upper level. On the lower level you will find a fully finished family room or potential for a 3rd bedroom and powder room. Enjoy your morning coffee on the delightful deck. Or remove the deck to create off-street parking. Updates: Energy efficient A/C System, Updated Kitchen

22. 2022-04-15
    price $250,000 760-char remark

    Show marketing remark (760 chars)

    Don’t miss the opportunity to own a charming end-unit townhome located only two short blocks from Riverside Park! The inviting living room boasts an exposed brick wall and hardwood floors. A gorgeous eat-in kitchen hosts granite counters, stainless steel appliances, a breakfast bar, modern tile backsplash, sleek pendant lighting, gas cooking and soft-close cabinets. There are two generously sized bedrooms and a full bath with a spa-like soaking tub with chic tiling on the upper level. On the lower level you will find a fully finished family room or potential for a 3rd bedroom and powder room. Enjoy your morning coffee on the delightful deck. Or remove the deck to create off-street parking. Updates: Energy efficient A/C System, Updated Kitchen

23. 2022-03-31
    listed $265,000 Active 760-char remark

    Show marketing remark (760 chars)

    Don’t miss the opportunity to own a charming end-unit townhome located only two short blocks from Riverside Park! The inviting living room boasts an exposed brick wall and hardwood floors. A gorgeous eat-in kitchen hosts granite counters, stainless steel appliances, a breakfast bar, modern tile backsplash, sleek pendant lighting, gas cooking and soft-close cabinets. There are two generously sized bedrooms and a full bath with a spa-like soaking tub with chic tiling on the upper level. On the lower level you will find a fully finished family room or potential for a 3rd bedroom and powder room. Enjoy your morning coffee on the delightful deck. Or remove the deck to create off-street parking. Updates: Energy efficient A/C System, Updated Kitchen

24. 2020-07-30
    historical
25. 2020-07-24
    soldstatus $207,000 Closed
26. 2020-05-12
    status Pending
27. 2020-04-06
    status Active
28. 2020-03-30
    status Pending
29. 2020-03-12
    price $209,000
30. 2020-01-08
    price $215,000
31. 2019-10-18
    price $219,000
32. 2019-09-25
    listed $225,000 Active
33. 2009-08-15
    soldstatus $75,500 Sold
34. 2009-08-15
    soldstatus $75,500
35. 2009-07-23
    historical
36. 2009-07-20
    historical
37. 2009-06-29
    price $74,000
38. 2009-05-11
    price $94,000
39. 2009-04-13
    price $109,000
40. 2009-02-13
    price $133,900
41. 2009-02-13
    status
42. 2009-02-03
    historical
43. 2009-01-26
    listed $205,000
44. 2009-01-26
    listed $74,000
45. 2007-12-06
    soldstatus $354,000
46. 2007-11-23
    historical
47. 2007-11-23
    soldstatus $354,000 Sold
48. 2007-11-09
    price $339,900
49. 2007-10-30
    price $299,900
50. 2007-10-24
    listed $309,900

ⓘ 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: $5,805 · $484/mo
• Projected year-2 tax: $5,805 · $484/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

Taxation est. · year 1

• Rental income: $29,973
• − Mortgage interest: −$13,164
• − Property taxes: −$5,805
• − Insurance: −$1,175
• − Repairs & maintenance: −$2,398
• − Management: −$2,398
• − Depreciation: −$6,836
• Taxable loss: −$1,803
• Est. tax savings @ 24.0%: +$433
• After-tax cash flow: $2,343/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
▸Aerospace / Defense	1	$71B
▸Utilities	1	$25B
▸Hotels	1	$24B
▸Consumer Goods	1	$7B
▸Real Estate	1	$6B
▸Chemicals	1	$2B

Price history

+1155.2% since first listed

61 events — show timeline

• 2026-04-15 Price Changed $243,500 BRIGHT MLS
• 2026-02-08 Price Changed $249,900 BRIGHT MLS
• 2026-01-14 Rental Removed $1,950 BRIGHTMLS
• 2026-01-13 Price Changed $254,900 BRIGHT MLS
• 2025-12-07 Listed for Rent $1,950 BRIGHTMLS
• 2025-12-02 Price Changed $265,000 BRIGHT MLS
• 2025-11-15 Price Changed $269,900 BRIGHT MLS
• 2025-10-16 Price Changed $275,000 BRIGHT MLS
• 2025-10-07 Listed $285,000 BRIGHT MLS
• 2025-09-28 Coming Soon $285,000 BRIGHT MLS
• 2025-02-08 Rental Removed $1,950 APPFOLIO
• 2025-01-18 Price Changed $1,950 APPFOLIO
• 2025-01-01 Price Changed $2,100 APPFOLIO
• 2024-12-30 Listed for Rent $1,900 APPFOLIO
• 2022-09-22 Sold (Public Records) $260,000 Public Records
• 2022-05-20 Sold (MLS) $260,000 BRIGHT MLS
• 2022-04-24 Pending — BRIGHT MLS
• 2022-04-15 Price Changed $250,000 BRIGHT MLS
• 2022-03-31 Listed $265,000 BRIGHT MLS
• 2020-07-30 Listing Removed — BRIGHT MLS
• 2020-07-24 Sold (MLS) $207,000 BRIGHT MLS
• 2020-05-12 Pending — BRIGHT MLS
• 2020-04-06 Relisted — BRIGHT MLS
• 2020-03-30 Pending — BRIGHT MLS
• 2020-03-12 Price Changed $209,000 BRIGHT MLS
• 2020-01-08 Price Changed $215,000 BRIGHT MLS
• 2019-10-18 Price Changed $219,000 BRIGHT MLS
• 2019-09-25 Listed $225,000 BRIGHT MLS
• 2009-08-15 Sold (MLS) $75,500 BRIGHT MLS
• 2009-08-15 Sold (MLS) $75,500 MRIS
• 2009-07-23 Delisted — MRIS
• 2009-07-20 Listing Removed — BRIGHT MLS
• 2009-06-29 Price Changed $74,000 MRIS
• 2009-05-11 Price Changed $94,000 MRIS
• 2009-04-13 Price Changed $109,000 MRIS
• 2009-02-13 Relisted — MRIS
• 2009-02-13 Price Changed $133,900 MRIS
• 2009-02-03 Delisted — MRIS
• 2009-01-26 Listed $205,000 MRIS
• 2009-01-26 Listed $74,000 BRIGHT MLS
• 2007-12-06 Sold (Public Records) $354,000 Public Records
• 2007-11-23 Delisted — MRIS
• 2007-11-23 Sold (MLS) $354,000 MRIS
• 2007-11-09 Price Changed $339,900 MRIS
• 2007-10-30 Price Changed $299,900 MRIS
• 2007-10-24 Listed $309,900 MRIS
• 2007-09-09 Delisted — MRIS
• 2007-08-10 Listed — MRIS
• 2006-02-24 Sold (Public Records) $169,950 Public Records
• 2005-07-21 Sold (MLS) $169,950 MRIS
• 2005-06-09 Delisted — MRIS
• 2005-05-20 Listed $165,000 MRIS
• 2004-06-03 Sold (Public Records) $100,000 Public Records
• 2004-04-08 Sold (MLS) $65,000 MRIS
• 2004-02-06 Delisted — MRIS
• 2003-08-25 Listed $79,500 MRIS
• 2003-04-03 Sold (Public Records) $54,000 Public Records
• 1998-05-25 Delisted — MRIS
• 1997-12-04 Listed — MRIS
• 1984-11-15 Sold (Public Records) $22,000 Public Records
• 1983-12-30 Sold (Public Records) $19,400 Public Records

Property tax history

+1.4%/yr

Latest (2025): $5,805 · +3.7% YoY. Source: county tax records.