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3625 Oakmont Ave
C Composite 57.52
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 +24.1/30.0
  • ARV discount +9.5/15.0
  • DSCR +7.8/10.0
  • 1% rule +5.8/10.0
  • Livability +3.8/5.0
  • Rent growth +3.1/5.0
  • Condition / age +2.5/5.0
  • Schools +1.0/10.0
  • Appreciation +0.0/10.0

$149,999

3625 Oakmont Ave · Baltimore, MD 21215
2 bd · 2.0 ba · 1,500 sqft · Townhouse · 276 Days on market
Built 1940 1,920 sqft lot $100/sqft · at area comps Est $157k · at est.

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

Listing remarks MLS

Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

Key facts

  • Built 1940
  • Listed 276 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 2-bed/2.0-bath townhouse listed at $150k.

Deal economics

  • At list price, monthly cash flow is $296 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $150k).
  • Recommended offer: $132k (12.0% below list) — sets the bar for market timing.
  • Cap rate 8.7% 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: 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: Pimlico Elementary/Middle (math 0% / reading 11%, grade F, #759 of 860 statewide, top 88%, 741 students, 84% 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 31% at this address vs 12% district-wide (+19 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 (+2.4%/yr); 354 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 48% 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

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k 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 276 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
  • 8 sale attempts since 4y ago; this cycle's ask has dropped $30k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $24k; list at $150k implies a 528% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $131,999 (12.0% below list)

Questions for the listing agent

  1. It's been on market 276 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1940 — 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
1.08%
Cap rate
8.66%
Cash-on-cash
8.46%
DSCR
1.38
GRM
7.7

CMA / ARV

ARV (median comp)
$156,834
List price
$149,999
Delta
-4.36%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
5118 Nelson Ave 0.22mi 3/2.0 (+1) 1,386 (-8%) 3mo $219,000 $158 69
4912 Palmer Ave 0.37mi 3/2.0 (+1) 1,400 (-7%) 1mo $60,000 $43 66
4903 Chalgrove Ave 0.53mi 3/2.0 (+1) 1,536 (+2%) 2mo $187,000 $122 65
3026 Virginia Ave 0.49mi 3/1.0 (+1) 1,442 (-4%) 3mo $75,000 $52 59
3635 Columbus Dr 0.44mi 3/2.5 (+1) 1,360 (-9%) 4mo $125,000 $92 53
2523 Boarman Ave 0.75mi 3/1.0 (+1) 1,450 (-3%) 3mo $82,500 $57 48
3742 Dolfield Ave 0.37mi 3/2.5 (+1) 1,724 (+15%) 4mo $265,000 $154 47
3208 Ingleside Ave 0.70mi 3/1.5 (+1) 1,620 (+8%) 2mo $225,000 $139 45
3015 Spaulding Ave 0.48mi 3/1.5 (+1) 1,300 (-13%) 5mo $80,000 $62 44
5404 Crismer Ave 0.73mi 3/2.0 (+1) 1,667 (+11%) 1mo $239,900 $144 41
3741 Boarman Ave 0.64mi 3/1.0 (+1) 1,280 (-15%) 3mo $115,000 $90 34
5119 Woolverton Ave 0.68mi 3/1.5 (+1) 1,700 (+13%) 7mo $50,350 $30 33

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 · 2.41% rent growth · sell at horizon

5-year hold
IRR
-4.1%
Equity multiple
0.85×
Total profit
$-6,409
Equity at exit
$22,365
10-year hold
IRR
4.9%
Equity multiple
1.35×
Total profit
$14,797
Equity at exit
$12,969

Cash invested: $42,000 (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 21215

Rents YoY
2.4%
Active inventory
354
Price-to-rent
7.7×

Monthly cashflow live

Estimated rent
$1,619 high interval (Pro) →
Mortgage (P&I)
$787
Tax from tax record
$134 /mo · $1,607/yr
Insurance
$62
HOA
$0
Vacancy / Maint / Mgmt
$340
Net cashflow
$296

Break-even live

Break-even rent $1,244
Max offer price $149,999
Occupancy floor 77%

Sensitivity live

Price -10% $381 -5% $339 +0% $296 +5% $254 +10% $211
Rent -10% $168 -5% $232 +0% $296 +5% $360 +10% $424
Rate -1.0pp $372 -0.5pp $334 base $296 +0.5pp $257 +1.0pp $218

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
$37,500
Closing costs
$4,500
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 21 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4828 Beaufort Ave Baltimore, MD 2.0 2.5 1200 $1,850 $1.54 25d 1 0.08mi
5000 Litchfield Ave #1 Baltimore, MD 2.0 1.0 1100 $1,100 $1.00 45d 1 0.11mi
4704 Pimlico Rd Baltimore, MD 3.0 1.5 2006 $1,800 $0.90 25d 1 0.46mi
5340 Maple Ave Baltimore, MD 2.0 1.0 1200 $1,950 $1.62 45d 1 0.55mi
5115 Pembridge Ave Baltimore, MD 3.0 2.0 1088 $2,150 $1.98 45d 1 0.60mi
4010 Fernhill Ave Unit 2 Baltimore, MD 2.0 1.0 1100 $1,500 $1.36 45d 1 0.66mi
4230 Towanda Ave Baltimore, MD 3.0 2.0 1400 $1,800 $1.29 19d 1 0.72mi
2915 Oakford Ave Baltimore, MD 3.0 2.0 1102 $1,600 $1.45 19d 1 0.75mi
2619 Loyola Northway Baltimore, MD 3.0 2.0 1400 $1,995 $1.43 25d 1 0.85mi
3912 Mortimer Ave Baltimore, MD 3.0 2.0 1204 $2,723 $2.26 45d 1 0.87mi
4064 Edgewood Rd Unit 1ST FLOOR Baltimore, MD 1.0 1.0 1320 $1,460 $1.11 45d 1 0.89mi
2454 W Cold Spring Ln Baltimore, MD 3.0 1.0 1200 $1,650 $1.38 25d 1 0.89mi
5807 Gist Ave Baltimore, MD 2.0 1.5 2100 $1,395 $0.66 25d 1 0.92mi
2415 Loyola Southway Baltimore, MD 3.0 1.5 1200 $2,033 $1.69 45d 1 1.07mi
3508 Grantley Rd Baltimore, MD 2.0 1.0 1250 $1,350 $1.08 25d 1 1.08mi
3822 Pall Mall Rd Baltimore, MD 3.0 1.5 1320 $1,875 $1.42 45d 1 1.19mi
3914 Maine Ave Unit 3 Baltimore, MD 2.0 1.0 2127 $1,150 $0.54 45d 1 1.24mi
2900 Taney Rd Apt 1A Baltimore, MD 2.0 2.0 1200 $1,600 $1.33 25d 1 1.41mi
5801 Western Run Dr Baltimore, MD 3.0 1.0–2.0 835 $1,771 $2.12 3d 7 1.43mi
2001 W Cold Spring Ln Baltimore, MD 1.0–3.0 1.0–2.0 1154 $2,690 $2.33 3d 31 1.47mi
3807 Bowers Ave Gwynn Oak, MD 3.0 1.5 1152 $2,200 $1.91 45d 1 1.49mi

Listing history 41 events

  1. 2026-06-21
    days on market $149,999 Active 276 DOM
  2. 2026-06-18
    days on market $149,999 Active 273 DOM
  3. 2026-06-17
    days on market $149,999 Active 272 DOM
  4. 2026-06-16
    days on market $149,999 Active 271 DOM
  5. 2026-06-15
    days on market $149,999 Active 270 DOM
  6. 2026-06-13
    days on market $149,999 Active 268 DOM
  7. 2026-06-09
    days on market $149,999 Active 264 DOM
  8. 2026-06-08
    days on market $149,999 Active 263 DOM
  9. 2026-06-07
    days on market $149,999 Active 262 DOM
  10. 2026-06-04
    days on market $149,999 Active 259 DOM
  11. 2026-06-03
    days on market $149,999 Active 258 DOM
  12. 2026-06-02
    days on market $149,999 Active 257 DOM
  13. 2026-06-01
    days on market $149,999 Active 256 DOM
  14. 2026-05-31
    days on market $149,999 Active 255 DOM
  15. 2025-12-24
    price $149,999 1338-char remark
    Show marketing remark (1338 chars)

    Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

  16. 2025-12-24
    status Active 1338-char remark
    Show marketing remark (1338 chars)

    Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

  17. 2025-11-06
    historical 1338-char remark
    Show marketing remark (1338 chars)

    Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

  18. 2025-08-04
    status Active 1338-char remark
    Show marketing remark (1338 chars)

    Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

  19. 2025-07-20
    historical 1338-char remark
    Show marketing remark (1338 chars)

    Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

  20. 2025-07-18
    listed $179,999 Active 1338-char remark
    Show marketing remark (1338 chars)

    Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

  21. 2025-07-12
    historical $179,999 1338-char remark
    Show marketing remark (1338 chars)

    Welcome to 3625 Oakmont Ave, Baltimore, MD 21215 — a fully stabilized, turnkey porchfront investment designed for investors who value predictable cash flow and minimal headaches. This well-maintained 2-bedroom, 2-full-bath property features a finished basement, updated kitchen, and modernized bathrooms, delivering functionality and durability where it matters most. The layout maximizes livability while keeping long-term ownership and maintenance efficiency top of mind — a formula seasoned investors appreciate. A reliable tenant is currently in place and intends to remain for the duration of the existing 24-month lease, providing immediate income from day one. No vacancy. No lease-up period. Just rent checks doing what rent checks are supposed to do. Whether you’re a first-time investor looking to experience the power of turnkey real estate or a portfolio builder seeking a stable, performing asset, this property fits the brief. It’s the kind of deal landlords quietly hold — unless they’re strategically repositioning for the next move. Disclosure: Listing agent has a financial interest in the property. Property is fully licensed and certified. (Clean history of City Rental Licensure & MDE Lead Paint Permit) Do Not Disturbe The Tenant. Contact Listing Agent to schedule walkthru.

  22. 2025-04-04
    historical
  23. 2025-01-31
    price $155,999
  24. 2024-09-25
    listed $159,999 Active
  25. 2024-09-20
    historical
  26. 2024-07-12
    historical
  27. 2024-07-12
    listed $174,999 Active
  28. 2024-06-25
    historical
  29. 2023-12-12
    historical
  30. 2023-09-17
    price $169,999
  31. 2023-09-05
    price $179,999
  32. 2023-08-01
    price $184,999
  33. 2023-07-02
    price $189,999
  34. 2023-06-19
    listed $195,000 Active
  35. 2022-12-06
    historical
  36. 2022-08-28
    price $199,500
  37. 2022-08-28
    status Active
  38. 2022-06-23
    historical
  39. 2022-06-22
    listed $170,000 Active
  40. 1982-11-23
    soldstatus $23,900
  41. 1981-05-20
    soldstatus $9,000

ⓘ 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
$1,607 · $134/mo
Projected year-2 tax
$1,621 · $135/mo
Expected delta
+$14/yr (+$1/mo · 0.9%)

ⓘ 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 7/10 Severe 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 21% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 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
$19,430
− Mortgage interest
−$8,402
− Property taxes
−$1,607
− Insurance
−$750
− Repairs & maintenance
−$1,554
− Management
−$1,554
− Depreciation
−$4,364
Taxable income
$1,199
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$288
After-tax cash flow
$3,266/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)
52,229
Household income
$51,587
Rent vs Own
45.2% rent · 54.8% own
Severe rent burden
3644.0

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 (73%)
Race & ethnicity
Black 73% White 17% Hispanic / Latino 5% Two or more races 4% Asian 1%
Common ancestry
Scotch-Irish 2% Romanian 2% Italian 1%
Foreign-born
9% · Canada, South Korea
Languages at home
91% English-only · Spanish 4% French/Haitian/Cajun 1% Other Indo-European 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
▼ -318.58%
Current HPI
291.4926
Rent YoY
▲ 2.41%
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

+1566.7% since first listed
27 events — show timeline
  • 2025-12-24 Price Changed $149,999 BRIGHT MLS
  • 2025-12-24 Relisted BRIGHT MLS
  • 2025-11-06 Listing Removed BRIGHT MLS
  • 2025-08-04 Relisted BRIGHT MLS
  • 2025-07-20 Listing Removed BRIGHT MLS
  • 2025-07-18 Listed $179,999 BRIGHT MLS
  • 2025-07-12 Coming Soon $179,999 BRIGHT MLS
  • 2025-04-04 Listing Removed BRIGHT MLS
  • 2025-01-31 Price Changed $155,999 BRIGHT MLS
  • 2024-09-25 Listed $159,999 BRIGHT MLS
  • 2024-09-20 Coming Soon BRIGHT MLS
  • 2024-07-12 Listing Removed BRIGHT MLS
  • 2024-07-12 Listed $174,999 BRIGHT MLS
  • 2024-06-25 Coming Soon BRIGHT MLS
  • 2023-12-12 Listing Removed BRIGHT MLS
  • 2023-09-17 Price Changed $169,999 BRIGHT MLS
  • 2023-09-05 Price Changed $179,999 BRIGHT MLS
  • 2023-08-01 Price Changed $184,999 BRIGHT MLS
  • 2023-07-02 Price Changed $189,999 BRIGHT MLS
  • 2023-06-19 Listed $195,000 BRIGHT MLS
  • 2022-12-06 Listing Removed BRIGHT MLS
  • 2022-08-28 Price Changed $199,500 BRIGHT MLS
  • 2022-08-28 Relisted BRIGHT MLS
  • 2022-06-23 Listing Removed BRIGHT MLS
  • 2022-06-22 Listed $170,000 BRIGHT MLS
  • 1982-11-23 Sold (Public Records) $23,900 Public Records
  • 1981-05-20 Sold (Public Records) $9,000 Public Records

Property tax history

+10.5%/yr

Latest (2025): $1,607 · +5.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…