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3132 Cliftmont Ave
B- Composite 65.84
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 +30.0/30.0
  • 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
  • ARV discount +0.0/15.0

$110,000

3132 Cliftmont Ave · Baltimore, MD 21213
2 bd · 1.0 ba · 1,272 sqft · Townhouse public records · 50 Days on market
Built 1925 $86/sqft · 17% above area Est $94k · 17% over

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Solid brick rowhome with great potential in an established Baltimore neighborhood. The property has 2 units, a first floor 2bedroom/1 bath and a second floor 2bedroom/1 bath unit. Conveniently located near Clifton Park and major commuter routes, this property is ideal for investors or buyers looking to add value with updates. Being sold as-is with strong upside opportunity. This property is part of a larger portfolio. Please contact for more details regarding associated listings. Closings will need to be coordinated with the other properties in the portfolio but may sell to individual buyers. Seller will only accept offers from serious buyers who can align with that timeline.

Key facts

  • Near clifton park
  • Brick rowhome
  • Built 1925

Tags

BRICK ROWHOMENEAR CLIFTON PARKMAJOR COMMUTER ROUTESSTRONG UPSIDE OPPORTUNITY

Property features AI

Exterior

  • Parking: On-street parking
  • Utilities: Public water; Public sewer; Natural gas service
  • Home design: Interior townhouse/rowhouse
  • Construction: Brick construction; Block foundation; Built (year source: assessor)
  • Exterior features: Above-grade and below-grade structures; Not located on tidal water; Located within city limits

Interior

  • Kitchen: Second kitchen (additional kitchen)
  • Bedrooms: One bedroom on the main level; One bedroom on the first upper level
  • Bathrooms: Three full bathrooms (one on main level, one on first upper level, one on first lower level)
  • Heating & cooling: Radiator heating; Natural gas heating and hot water
  • Interior features: Second kitchen; Full, unfinished basement

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 2-bed/1.0-bath townhouse listed at $110k.

Deal economics

  • At list price, monthly cash flow is $477 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $110k).
  • Recommended offer: $107k (3.0% below list) — sets the bar for market timing.
  • Cap rate 11.5% 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 fast (+5.2%/yr); 319 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); 40% 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).
  • This rent runs 39% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • In year one you build about $136 of equity ($761 loan paydown + $-625 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 $31k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 50 days — a 3% lower offer ($107k) is reasonable based on typical stale-listing flexibility.
  • 11 sale attempts since 28y ago; this cycle's ask has dropped $15k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $37k; list at $110k implies a 197% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: property tax is 2.6% of price; built in 1925 — 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 $106,700 (3.0% below list)

Questions for the listing agent

  1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  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
1.54%
Cap rate
11.50%
Cash-on-cash
18.58%
DSCR
1.83
GRM
5.4

CMA / ARV

ARV (median comp)
$93,711
List price
$110,000
Delta
17.38%
Verdict
OVERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2821 Erdman Ave 0.27mi 2/2.0 1,260 (-1%) 0mo $75,000 $60 82
2902 Clifton Park Ter 0.22mi 3/1.5 (+1) 1,344 (+6%) 1mo $66,000 $49 73
3533 Elmley Ave 0.22mi 3/1.5 (+1) 1,344 (+6%) 1mo $70,000 $52 72
3114 Mareco Ave 0.08mi 3/2.0 (+1) 1,410 (+11%) 2mo $125,000 $89 68
3238 Ravenwood Ave 0.31mi 3/1.5 (+1) 1,158 (-9%) 0mo $70,000 $60 63
3838 Lyndale Ave 0.55mi 2/2.0 1,190 (-6%) 2mo $113,500 $95 58
3532 Cliftmont Ave 0.52mi 3/2.0 (+1) 1,200 (-6%) 2mo $168,000 $140 56
3733 Ravenwood Ave 0.55mi 3/2.0 (+1) 1,350 (+6%) 1mo $135,000 $100 55
4117 Eastmont Ave 0.66mi 3/2.0 (+1) 1,176 (-8%) 1mo $224,900 $191 47
3571 Dudley Ave 0.66mi 3/2.0 (+1) 1,400 (+10%) 1mo $175,000 $125 43
3406 Ramona Ave 0.65mi 3/2.0 (+1) 1,408 (+11%) 0mo $85,000 $60 43
3805 Elmora Ave 0.55mi 3/2.0 (+1) 1,096 (-14%) 1mo $11,700 $11 42

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
19.1%
Equity multiple
1.92×
Total profit
$28,253
Equity at exit
$28,852
10-year hold
IRR
25.8%
Equity multiple
3.99×
Total profit
$92,104
Equity at exit
$32,303

Cash invested: $30,800 (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.

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
$1,690 high interval (Pro) →
Mortgage (P&I)
$577
Tax from tax record
$235 /mo · $2,821/yr
Insurance
$46
HOA
$0
Vacancy / Maint / Mgmt
$355
Net cashflow
$477

Break-even live

Break-even rent $1,086
Max offer price $110,000
Occupancy floor 67%

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
$27,500
Closing costs
$3,300
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
3335 Lyndale Ave Baltimore, MD 2.0 2.0 1344 $1,600 $1.19 24d 1 0.22mi
3551 Elmley Ave Baltimore, MD 3.0 1.5 1872 $2,095 $1.12 24d 1 0.22mi
3317 Lyndale Ave Baltimore, MD 3.0 1.0 900 $1,300 $1.44 44d 1 0.23mi
3315 Lyndale Ave Baltimore, MD 2.0 1.5 896 $1,650 $1.84 18d 1 0.23mi
3512 Elmora Ave Baltimore, MD 3.0 1.5 1472 $1,900 $1.29 20d 1 0.24mi
3326 Elmora Ave Baltimore, MD 3.0 1.0 1200 $1,450 $1.21 24d 1 0.24mi
3339 Elmora Ave Baltimore, MD 3.0 2.0 896 $1,600 $1.79 44d 1 0.25mi
3222 Lyndale Ave Unit 1 Baltimore, MD 3.0 1.5 1500 $2,200 $1.47 12d 1 0.26mi
3213 Elmley Ave Baltimore, MD 2.0 1.0 1188 $1,395 $1.17 44d 1 0.26mi
3218 Lyndale Ave Baltimore, MD 3.0 1.5 1020 $1,500 $1.47 24d 1 0.26mi
3221 Lyndale Ave Baltimore, MD 2.0 2.0 1020 $1,700 $1.67 24d 1 0.27mi
3322 Ravenwood Ave Baltimore, MD 3.0 2.0 932 $1,800 $1.93 24d 1 0.28mi
3343 Ravenwood Ave Unit 3343 Baltimore, MD 2.0 2.0 948 $1,855 $1.96 18d 1 0.28mi
3610 Elmley Ave Baltimore, MD 2.0 1.5 1200 $1,550 $1.29 20d 1 0.30mi
2828 Lake Ave Baltimore, MD 3.0 2.0 1164 $1,850 $1.59 4d 1 0.33mi
2113 Belair Rd Baltimore, MD 3.0 1.0 1344 $1,795 $1.34 44d 1 0.35mi
3436 Cardenas Ave Baltimore, MD 2.0 1.0 1146 $1,395 $1.22 44d 1 0.36mi
3519 Kentucky Ave Baltimore, MD 3.0 2.0 1536 $2,100 $1.37 11d 1 0.40mi
3525 Kentucky Ave Baltimore, MD 3.0 1.5 1536 $1,950 $1.27 44d 1 0.40mi
3902 Erdman Ave Unit 1 Baltimore, MD 2.0 1.0 1000 $1,275 $1.27 24d 1 0.42mi
3914 Erdman Ave #1 Baltimore, MD 3.0 1.0 1200 $1,319 $1.10 18d 1 0.44mi
3611 Ravenwood Ave #2 Baltimore, MD 1.0 1.0 1566 $975 $0.62 44d 1 0.44mi
2817 Pelham Ave Baltimore, MD 3.0 2.0 1464 $1,950 $1.33 24d 1 0.45mi
3515 Parklawn Ave Baltimore, MD 3.0 2.0 1240 $1,700 $1.37 3d 1 0.45mi
2848 Pelham Ave Baltimore, MD 3.0 2.0 1164 $1,700 $1.46 44d 1 0.45mi
4104 Erdman Ave Unit 2 Baltimore, MD 2.0 1.0 1566 $1,075 $0.69 4d 1 0.50mi
3028 Kenyon Ave Baltimore, MD 2.0 2.0 1075 $1,395 $1.30 44d 1 0.51mi
3572 Juneway Unit 1 Baltimore, MD 2.0 1.0 1800 $1,200 $0.67 44d 1 0.51mi
2735 Chesterfield Ave Baltimore, MD 3.0 2.5 1536 $2,000 $1.30 11d 1 0.53mi
3305 Dudley Ave Baltimore, MD 3.0 2.0 1413 $1,950 $1.38 44d 1 0.55mi
3544 Chesterfield Ave Baltimore, MD 3.0 1.5 1200 $1,635 $1.36 44d 1 0.56mi
3566 Dudley Ave Baltimore, MD 2.0 1.0 896 $1,800 $2.01 24d 1 0.67mi
3551 Shannon Dr Baltimore, MD 3.0 2.0 1485 $2,358 $1.59 24d 1 0.70mi
2522 E Federal St Baltimore, MD 2.0 2.0 1760 $1,400 $0.80 44d 1 0.79mi
2311 E Lafayette Ave Baltimore, MD 3.0 1.0 1000 $1,400 $1.40 44d 1 0.81mi
1403 N Linwood Ave Baltimore, MD 3.0 2.0 1660 $1,995 $1.20 44d 1 0.82mi
4320 Sheldon Ave Baltimore, MD 3.0 1.5 1280 $1,800 $1.41 24d 1 0.84mi
2621 E Oliver St Baltimore, MD 3.0 2.0 1600 $1,700 $1.06 24d 1 0.84mi
2125 Cliftwood Ave Baltimore, MD 1.0 2.0 1020 $1,450 $1.42 44d 1 0.84mi
1310 N Ellwood Ave Baltimore, MD 2.0 1.0 1000 $1,450 $1.45 12d 1 0.86mi

Listing history 46 events

  1. 2026-06-18
    days on market $110,000 Active 50 DOM
  2. 2026-06-17
    days on market $110,000 Active 49 DOM
  3. 2026-06-16
    days on market $110,000 Active 48 DOM
  4. 2026-06-15
    days on market $110,000 Active 47 DOM
  5. 2026-06-13
    days on market $110,000 Active 45 DOM
  6. 2026-06-09
    days on market $110,000 Active 41 DOM
  7. 2026-06-08
    days on market $110,000 Active 40 DOM
  8. 2026-06-07
    days on market $110,000 Active 39 DOM
  9. 2026-06-04
    days on market $110,000 Active 36 DOM
  10. 2026-06-03
    days on market $110,000 Active 35 DOM
  11. 2026-06-02
    days on market $110,000 Active 34 DOM
  12. 2026-06-02
    price $110,000 Active 33 DOM
  13. 2026-06-01
    days on market $120,000 Active 33 DOM
    Show marketing remark (684 chars)

    Solid brick rowhome with great potential in an established Baltimore neighborhood. The property has 2 units, a first floor 2bedroom/1 bath and a second floor 2bedroom/1 bath unit. Conveniently located near Clifton Park and major commuter routes, this property is ideal for investors or buyers looking to add value with updates. Being sold as-is with strong upside opportunity. This property is part of a larger portfolio. Please contact for more details regarding associated listings. Closings will need to be coordinated with the other properties in the portfolio but may sell to individual buyers. Seller will only accept offers from serious buyers who can align with that timeline.

  14. 2026-05-31
    days on market $120,000 Active 32 DOM
  15. 2026-05-15
    price $120,000 684-char remark
    Show marketing remark (684 chars)

    Solid brick rowhome with great potential in an established Baltimore neighborhood. The property has 2 units, a first floor 2bedroom/1 bath and a second floor 2bedroom/1 bath unit. Conveniently located near Clifton Park and major commuter routes, this property is ideal for investors or buyers looking to add value with updates. Being sold as-is with strong upside opportunity. This property is part of a larger portfolio. Please contact for more details regarding associated listings. Closings will need to be coordinated with the other properties in the portfolio but may sell to individual buyers. Seller will only accept offers from serious buyers who can align with that timeline.

  16. 2026-05-15
    price $120,000 587-char remark
    Show marketing remark (684 chars)

    Solid brick rowhome with great potential in an established Baltimore neighborhood. The property has 2 units, a first floor 2bedroom/1 bath and a second floor 2bedroom/1 bath unit. Conveniently located near Clifton Park and major commuter routes, this property is ideal for investors or buyers looking to add value with updates. Being sold as-is with strong upside opportunity. This property is part of a larger portfolio. Please contact for more details regarding associated listings. Closings will need to be coordinated with the other properties in the portfolio but may sell to individual buyers. Seller will only accept offers from serious buyers who can align with that timeline.

  17. 2026-05-07
    listed $125,000 Active 684-char remark
    Show marketing remark (684 chars)

    Solid brick rowhome with great potential in an established Baltimore neighborhood. The property has 2 units, a first floor 2bedroom/1 bath and a second floor 2bedroom/1 bath unit. Conveniently located near Clifton Park and major commuter routes, this property is ideal for investors or buyers looking to add value with updates. Being sold as-is with strong upside opportunity. This property is part of a larger portfolio. Please contact for more details regarding associated listings. Closings will need to be coordinated with the other properties in the portfolio but may sell to individual buyers. Seller will only accept offers from serious buyers who can align with that timeline.

  18. 2026-04-29
    listed $125,000 Active 587-char remark
  19. 2012-04-23
    soldstatus $37,000 Sold
    Show marketing remark (319 chars)

    FANNIE MAE HOMEPATH PROPERTY! APPROVED HOMEPATH RENOVATION. ONLY OWNER OCCUPANT OFFERS CONSIDERED IN FIRST 15 DAYS OF LISTING. REVIEW CHECKLIST, NO ELECTRONIC SIGNATURES. G/RENT IF ANY TO BE VERIFIED. SELLER WILL NOT REDEEM. GREAT PROPERTY, GLEAMING HARDWOOD FLOORS, 3 FULL BATHS, LIGHT FILLED LARGE ROOMS, FENCED YARD.

  20. 2012-04-23
    soldstatus $37,000
    Show marketing remark (319 chars)

    FANNIE MAE HOMEPATH PROPERTY! APPROVED HOMEPATH RENOVATION. ONLY OWNER OCCUPANT OFFERS CONSIDERED IN FIRST 15 DAYS OF LISTING. REVIEW CHECKLIST, NO ELECTRONIC SIGNATURES. G/RENT IF ANY TO BE VERIFIED. SELLER WILL NOT REDEEM. GREAT PROPERTY, GLEAMING HARDWOOD FLOORS, 3 FULL BATHS, LIGHT FILLED LARGE ROOMS, FENCED YARD.

  21. 2012-02-17
    status Contract
    Show marketing remark (319 chars)

    FANNIE MAE HOMEPATH PROPERTY! APPROVED HOMEPATH RENOVATION. ONLY OWNER OCCUPANT OFFERS CONSIDERED IN FIRST 15 DAYS OF LISTING. REVIEW CHECKLIST, NO ELECTRONIC SIGNATURES. G/RENT IF ANY TO BE VERIFIED. SELLER WILL NOT REDEEM. GREAT PROPERTY, GLEAMING HARDWOOD FLOORS, 3 FULL BATHS, LIGHT FILLED LARGE ROOMS, FENCED YARD.

  22. 2012-01-22
    historical
  23. 2012-01-04
    listed $41,999 Active
    Show marketing remark (319 chars)

    FANNIE MAE HOMEPATH PROPERTY! APPROVED HOMEPATH RENOVATION. ONLY OWNER OCCUPANT OFFERS CONSIDERED IN FIRST 15 DAYS OF LISTING. REVIEW CHECKLIST, NO ELECTRONIC SIGNATURES. G/RENT IF ANY TO BE VERIFIED. SELLER WILL NOT REDEEM. GREAT PROPERTY, GLEAMING HARDWOOD FLOORS, 3 FULL BATHS, LIGHT FILLED LARGE ROOMS, FENCED YARD.

  24. 2012-01-04
    listed $41,999
    Show marketing remark (319 chars)

    FANNIE MAE HOMEPATH PROPERTY! APPROVED HOMEPATH RENOVATION. ONLY OWNER OCCUPANT OFFERS CONSIDERED IN FIRST 15 DAYS OF LISTING. REVIEW CHECKLIST, NO ELECTRONIC SIGNATURES. G/RENT IF ANY TO BE VERIFIED. SELLER WILL NOT REDEEM. GREAT PROPERTY, GLEAMING HARDWOOD FLOORS, 3 FULL BATHS, LIGHT FILLED LARGE ROOMS, FENCED YARD.

  25. 2011-10-09
    historical Expired
  26. 2011-10-09
    historical
  27. 2011-06-28
    price
  28. 2011-05-12
    price
  29. 2011-04-10
    listed Active
  30. 2011-04-10
    listed $34,900
  31. 2008-07-05
    historical
  32. 2008-06-09
    price
  33. 2008-04-18
    price
  34. 2008-03-13
    price
  35. 2008-03-01
    listed
  36. 2007-10-05
    historical
  37. 2007-10-05
    soldstatus $115,000
  38. 2007-10-05
    listed $115,000
  39. 2007-06-05
    soldstatus $115,000
  40. 2007-05-06
    historical
  41. 2007-03-26
    listed
  42. 2006-11-07
    historical
  43. 2006-11-05
    listed
  44. 1999-03-31
    historical
  45. 1998-10-30
    listed
  46. 1987-04-15
    soldstatus $30,000

ⓘ 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
$2,821 · $235/mo
Projected year-2 tax
$2,821 · $235/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
$20,274
− Mortgage interest
−$6,162
− Property taxes
−$2,821
− Insurance
−$550
− Repairs & maintenance
−$1,622
− Management
−$1,622
− Depreciation
−$3,200
Taxable income
$4,298
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,031
After-tax cash flow
$4,692/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

+266.7% since first listed
34 events — show timeline
  • 2026-06-01 Price Changed $110,000 BRIGHT MLS
  • 2026-06-01 Price Changed $110,000 BRIGHT MLS
  • 2026-05-15 Price Changed $120,000 BRIGHT MLS
  • 2026-05-15 Price Changed $120,000 BRIGHT MLS
  • 2026-05-07 Listed $125,000 BRIGHT MLS
  • 2026-04-29 Listed $125,000 BRIGHT MLS
  • 2012-04-23 Sold (MLS) $37,000 BRIGHT MLS
  • 2012-04-23 Sold (MLS) $37,000 MRIS
  • 2012-02-17 Pending MRIS
  • 2012-01-22 Listing Removed BRIGHT MLS
  • 2012-01-04 Listed $41,999 MRIS
  • 2012-01-04 Listed $41,999 BRIGHT MLS
  • 2011-10-09 Delisted MRIS
  • 2011-10-09 Listing Removed BRIGHT MLS
  • 2011-06-28 Price Changed MRIS
  • 2011-05-12 Price Changed MRIS
  • 2011-04-10 Listed MRIS
  • 2011-04-10 Listed $34,900 BRIGHT MLS
  • 2008-07-05 Delisted MRIS
  • 2008-06-09 Price Changed MRIS
  • 2008-04-18 Price Changed MRIS
  • 2008-03-13 Price Changed MRIS
  • 2008-03-01 Listed MRIS
  • 2007-10-05 Listed $115,000 MRIS
  • 2007-10-05 Delisted MRIS
  • 2007-10-05 Sold (MLS) $115,000 MRIS
  • 2007-06-05 Sold (Public Records) $115,000 Public Records
  • 2007-05-06 Delisted MRIS
  • 2007-03-26 Listed MRIS
  • 2006-11-07 Delisted MRIS
  • 2006-11-05 Listed MRIS
  • 1999-03-31 Delisted MRIS
  • 1998-10-30 Listed MRIS
  • 1987-04-15 Sold (Public Records) $30,000 Public Records

Property tax history

+2.2%/yr

Latest (2025): $2,821 · +5.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…