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3037 Mayfield Ave
A- Composite 80.84
Why this score? — see what drove the A- 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 +30.0/30.0
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Appreciation +4.7/10.0
  • Rent growth +3.8/5.0
  • Livability +3.8/5.0
  • Condition / age +2.5/5.0
  • Schools +1.0/10.0

$125,000

3037 Mayfield Ave · Baltimore, MD 21213
4 bd · 2.0 ba · 1,200 sqft · Townhouse public records · 83 Days on market
Built 1930 2,140 sqft lot $104/sqft · at area comps Est $194k · 36% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

Key facts

  • 2 garage spots
  • Built 1930
  • Listed 82 days

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/2.0-bath townhouse listed at $125k.

Deal economics

  • At list price, monthly cash flow is $624 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $125k).
  • Recommended offer: $118k (6.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 76/100 on livability (#90 in MD, #3,396 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, housing A+; Watch: crime F.
  • Baltimore City Public Schools (urban): math 7% / reading 16% proficiency, ranked #24 of 24 in MD (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 79% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: The Belair-Edison School (math 3% / reading 13%, grade F, #674 of 860 statewide, top 79%, 1,013 students, 87% FRL, charter); 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 rising fast (+5.2%/yr); 319 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); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,273 units permitted in Baltimore city in 2024 (1,104 in 5+ unit buildings).

Forward outlook

  • In year one you build about $154 of equity ($864 loan paydown + $-710 appreciation (-0.6% local appreciation)).
  • Baltimore County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
  • At projected returns (-0.6% appreciation + 5.2% rent growth), your $35k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 83 days — a 6% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 28y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $45k; list at $125k implies a 178% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
  • 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.
Recommended offer $117,500 (6.0% below list)

Questions for the listing agent

  1. It's been on market 83 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 1930 — 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
1.55%
Cap rate
12.28%
Cash-on-cash
21.39%
DSCR
1.95
GRM
5.4

CMA / ARV

ARV (median comp)
$194,001
List price
$125,000
Delta
-35.57%
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
3555 Elmora Ave 0.41mi 4/2.0 1,178 (-2%) 1mo $254,000 $216 77
3532 Cliftmont Ave 0.40mi 3/2.0 (-1) 1,200 (0%) 2mo $168,000 $140 75
3238 Ravenwood Ave 0.51mi 3/1.5 (-1) 1,158 (-4%) 1mo $70,000 $60 63
2902 Clifton Park Ter 0.24mi 3/1.5 (-1) 1,344 (+12%) 1mo $66,000 $49 61
4117 Eastmont Ave 0.65mi 3/2.0 (-1) 1,176 (-2%) 1mo $224,900 $191 60
3533 Elmley Ave 0.30mi 3/1.5 (-1) 1,344 (+12%) 2mo $70,000 $52 58
3805 Elmora Ave 0.51mi 3/2.0 (-1) 1,096 (-9%) 1mo $11,700 $11 56
3236 Lyndale Ave 0.44mi 3/1.0 (-1) 1,080 (-10%) 2mo $161,855 $150 52
3733 Ravenwood Ave 0.54mi 3/2.0 (-1) 1,350 (+12%) 1mo $135,000 $100 48
4000 Balfern Ave 0.72mi 3/1.5 (-1) 1,120 (-7%) 1mo $157,000 $140 47
4235 Seidel Ave 0.73mi 3/1.5 (-1) 1,280 (+7%) 2mo $91,000 $71 46
4102 Dudley Ave 0.74mi 3/1.5 (-1) 1,120 (-7%) 2mo $165,000 $147 46

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

Projected returns pro-forma

-0.57% appreciation · 5.25% rent growth · sell at horizon

5-year hold
IRR
22.2%
Equity multiple
2.07×
Total profit
$37,328
Equity at exit
$32,786
10-year hold
IRR
28.5%
Equity multiple
4.31×
Total profit
$115,969
Equity at exit
$36,708

Cash invested: $35,000 (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 21213

Home prices YoY
-0.1%
Rents YoY
5.2%
Active inventory
319
Price-to-rent
5.4×

Monthly cashflow live

Estimated rent
$1,941 high interval (Pro) →
Mortgage (P&I)
$656
Tax from tax record
$202 /mo · $2,419/yr
Insurance
$52
HOA
$0
Vacancy / Maint / Mgmt
$408
Net cashflow
$624

Break-even live

Break-even rent $1,151
Max offer price $125,000
Occupancy floor 63%

Sensitivity live

Price -10% $695 -5% $659 +0% $624 +5% $588 +10% $553
Rent -10% $471 -5% $547 +0% $624 +5% $701 +10% $777
Rate -1.0pp $687 -0.5pp $656 base $624 +0.5pp $591 +1.0pp $559

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
$31,250
Closing costs
$3,750
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
2828 Lake Ave Baltimore, MD 3.0 2.0 1164 $1,850 $1.59 6d 1 0.20mi
3203 Clarence Ave Baltimore, MD 5.0 1.0 1388 $1,865 $1.34 45d 1 0.22mi
2837 Pelham Ave Baltimore, MD 4.0 2.0 1164 $1,675 $1.44 45d 1 0.28mi
2848 Pelham Ave Baltimore, MD 3.0 2.0 1164 $1,700 $1.46 45d 1 0.29mi
2817 Pelham Ave Baltimore, MD 3.0 2.0 1464 $1,950 $1.33 25d 1 0.29mi
3515 Parklawn Ave Baltimore, MD 3.0 2.0 1240 $1,700 $1.37 4d 1 0.33mi
3512 Elmora Ave Baltimore, MD 3.0 1.5 1472 $1,900 $1.29 21d 1 0.35mi
3305 Dudley Ave Baltimore, MD 3.0 2.0 1413 $1,950 $1.38 45d 1 0.40mi
3317 Lyndale Ave Baltimore, MD 3.0 1.0 900 $1,300 $1.44 45d 1 0.41mi
3326 Elmora Ave Baltimore, MD 3.0 1.0 1200 $1,450 $1.21 25d 1 0.41mi
3339 Elmora Ave Baltimore, MD 3.0 2.0 896 $1,600 $1.79 45d 1 0.42mi
3222 Lyndale Ave Unit 1 Baltimore, MD 3.0 1.5 1500 $2,200 $1.47 14d 1 0.43mi
3218 Lyndale Ave Baltimore, MD 3.0 1.5 1020 $1,500 $1.47 25d 1 0.44mi
3322 Ravenwood Ave Baltimore, MD 3.0 2.0 932 $1,800 $1.93 25d 1 0.45mi
3544 Chesterfield Ave Baltimore, MD 3.0 1.5 1200 $1,635 $1.36 45d 1 0.45mi
3914 Erdman Ave #1 Baltimore, MD 3.0 1.0 1200 $1,319 $1.10 19d 1 0.49mi
2113 Belair Rd Baltimore, MD 3.0 1.0 1344 $1,795 $1.34 45d 1 0.52mi
3551 Shannon Dr Baltimore, MD 3.0 2.0 1485 $2,358 $1.59 25d 1 0.58mi
3573 Shannon Dr Baltimore, MD 4.0 2.0 1493 $2,300 $1.54 19d 1 0.59mi
4320 Sheldon Ave Baltimore, MD 3.0 1.5 1280 $1,800 $1.41 25d 1 0.67mi
4024 Eierman Ave Baltimore, MD 3.0 2.0 1136 $1,825 $1.61 45d 1 0.71mi
4400 Asbury Ave Baltimore, MD 3.0 2.0 1270 $1,995 $1.57 6d 1 0.73mi
4116 Raymonn Ave Baltimore, MD 3.0 1.5 1244 $1,950 $1.57 45d 1 0.83mi
4300 Orchard Ridge Blvd Baltimore, MD 1.0–3.0 1.0–2.0 1021 $1,809 $1.77 45d 1 0.89mi
1832 E 28th St Baltimore, MD 3.0 1.0 1066 $1,495 $1.40 25d 1 0.97mi
2311 E Lafayette Ave Baltimore, MD 3.0 1.0 1000 $1,400 $1.40 45d 1 0.99mi
1802 E 28th St Baltimore, MD 3.0 1.0 1300 $1,600 $1.23 25d 1 1.01mi
2410 E Federal St Baltimore, MD 4.0 2.0 720 $2,200 $3.06 25d 1 1.04mi
1215 N Ellwood Ave Baltimore, MD 3.0 1.0 1128 $1,795 $1.59 25d 1 1.07mi
2626 E Preston St Baltimore, MD 3.0 1.0 1136 $1,800 $1.58 45d 1 1.12mi
1702 E 32nd St Baltimore, MD 3.0 2.0 1344 $2,300 $1.71 45d 1 1.14mi
1519 E 28th St Baltimore, MD 3.0 2.0 1100 $1,350 $1.23 45d 1 1.20mi
4901 Gunther Ave Baltimore, MD 1.0–3.0 1.0–2.0 742 $1,463 $1.97 3d 1 1.20mi
5305 Moravia Rd Baltimore, MD 3.0 1.0 679 $1,993 $2.93 3d 1 1.24mi
1814 E Lafayette Ave Baltimore, MD 4.0 2.0 1200 $1,995 $1.66 25d 1 1.30mi
5731 Denwood Ave Baltimore, MD 3.0 1.5 1152 $1,700 $1.48 23d 1 1.31mi
5731 Denwood Ave Baltimore, MD 3.0 1.5 1440 $1,700 $1.18 25d 1 1.31mi
1607 Cliftview Ave Baltimore, MD 3.0 1.0 1200 $1,475 $1.23 45d 1 1.33mi
1627 Rutland Ave Unit 1 Baltimore, MD 3.0 2.0 1200 $2,350 $1.96 45d 1 1.36mi
1627 Rutland Ave Baltimore, MD 3.0 2.0 1100 $1,950 $1.77 25d 1 1.36mi

Listing history 11 events

  1. 2026-05-05
    status Active 1124-char remark
    Show marketing remark (1124 chars)

    Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

  2. 2026-04-30
    historical 1124-char remark
    Show marketing remark (1124 chars)

    Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

  3. 2026-04-03
    status Active 1124-char remark
    Show marketing remark (1124 chars)

    Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

  4. 2026-03-24
    status Pending 1124-char remark
    Show marketing remark (1124 chars)

    Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

  5. 2026-03-10
    status Active 1124-char remark
    Show marketing remark (1124 chars)

    Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

  6. 2026-02-25
    historical 1124-char remark
    Show marketing remark (1124 chars)

    Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

  7. 2026-02-05
    listed $125,000 Active 1124-char remark
    Show marketing remark (1124 chars)

    Bring your vision to Belair-Edison! Wow a massive 1,928 sq. ft. porch-front townhome offers a rare opportunity to own a piece of classic Baltimore architecture. Just blocks from the trails at Herring Run Park and Lake Montebello, this home is a blank canvas waiting for your modern touch. Step inside to discover original red oak hardwood floors that are ready to shine and a spacious, sun-drenched living room that flows into a formal dining area. Unlike many rowhomes, this layout features a large eat-in kitchen with plenty of table space. Upstairs, you’ll find generous bedrooms with decent closet space and natural light. The real showstopper? The exterior features. Enjoy your morning coffee on the classic covered front porch, or head out back to your private fenced yard. The property includes a rare 2-car detached garage—a huge value in the city! With 4 bedrooms, 2 full baths, and a full walk-out basement, the footprint is already here. Whether you are looking to create your dream home or a high-performing rental portfolio piece, 3037 Mayfield Ave is the solid start you’ve been waiting for.

  8. 1999-08-13
    soldstatus $45,000
  9. 1999-07-13
    soldstatus $45,000
  10. 1999-06-11
    historical
  11. 1998-07-31
    listed $54,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MD · Partial reset (capped growth)

Current annual tax
$2,419 · $202/mo
Projected year-2 tax
$2,419 · $202/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) · 67% 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
$23,287
− Mortgage interest
−$7,002
− Property taxes
−$2,419
− Insurance
−$625
− Repairs & maintenance
−$1,863
− Management
−$1,863
− Depreciation
−$3,636
Taxable income
$5,879
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,411
After-tax cash flow
$6,076/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)
28,058
Household income
$51,344
Rent vs Own
48.0% rent · 52.0% own
Severe rent burden
1868.0

Population outlook (Baltimore County) Hauer SSP2

Today (2025)
624,249 people
By 2030
621,541 · -0.4%
By 2040
609,756 · -2.3%
By 2050
597,249 · -4.3%
By 2075
552,236 · -11.5%
By 2100
513,934 · -17.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Black (86%)
Race & ethnicity
Black 86% White 6% Hispanic / Latino 4% Two or more races 3%
Foreign-born
3% · Canada
Languages at home
96% English-only · Spanish 3%

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
▼ -0.57%
Current HPI
427.4453
Rent YoY
▲ 5.25%
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

+131.5% since first listed
11 events — show timeline
  • 2026-05-05 Relisted BRIGHT MLS
  • 2026-04-30 Listing Removed BRIGHT MLS
  • 2026-04-03 Relisted BRIGHT MLS
  • 2026-03-24 Pending BRIGHT MLS
  • 2026-03-10 Relisted BRIGHT MLS
  • 2026-02-25 Listing Removed BRIGHT MLS
  • 2026-02-05 Listed $125,000 BRIGHT MLS
  • 1999-08-13 Sold (Public Records) $45,000 Public Records
  • 1999-07-13 Sold (MLS) $45,000 MRIS
  • 1999-06-11 Delisted MRIS
  • 1998-07-31 Listed $54,000 MRIS

Property tax history

-0.3%/yr

Latest (2025): $2,419 · +4.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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