3838 Bank St · Baltimore, MD 21224

$209,900

3 bd · 1.0 ba · 1,388 sqft · Townhouse public records · 46 Days on market

Built 1920 871 sqft lot $151/sqft · at area comps Est $218k · at est.

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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 +24.9/30.0
• ARV discount +9.1/15.0
• DSCR +8.1/10.0
• 1% rule +6.8/10.0
• Livability +3.8/5.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 3838 Bank Street! A charming end of group townhome in the heart of Highlandtown in the shopping/arts and entertainment district. .. . Highlandtown has always been a charming community in East Baltimore. Located one half block from Eastern Avenue, it is walking distance to shopping, restaurants, galleries and transportation. . blocks to neighboring Greektown, Canton and Patterson Park communities. . It is minutes to downtown Baltimore, Canton and the waterfront and in close proximity to Hopkins campuses. The covered porch front welcomes you, and being a corner home offers lots of natural light. Open floor plan, the main level has hardwood flooring with a living and dining area and eat-in kitchen. Two bedrooms on the upper level, there is a bonus room that can be used for an office, dressing or guest room. Central air conditioning -- and Although the basement is unfinished, there are windows for natural light - - original wood built-in cabinets, and can easily be converted to more living space. . Plenty of room for storage and laundry area, as well as a half bathroom. Rear patio/yard has the opportunity to convert to a small parking space if needed. . Plenty of community development all around this home and lots to do in this community!

Key facts

• Built 1920
• Listed 45 days

Property features AI

Finance

• Other: Total below-grade area: 540 (per assessor); Above-grade finished area: 1,108 (per assessor); Below-grade finished area: 280 and unfinished area: 260 (per assessor); Year built source: Assessor; Accessibility features: Other; Land assessed value noted (assessor data available)

Exterior

• Parking: Alley access; On-street parking
• Utilities: Public water; Public sewer
• Home design: End of row townhouse; Ownership: Fee simple
• Construction: Brick construction; Concrete perimeter and block foundation; Above-grade and below-grade structures
• Exterior features: No tidal water

Interior

• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: Two full bathrooms (one on the first upper level, one on the first lower level)
• Heating & cooling: Forced air heating; Central heating; Natural gas heating and hot water; Electric-powered cooling (other type)
• Interior features: Basement with connecting stairway; Basement approximately 90% finished; Living area source: Assessor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $210k.

Deal economics

• At list price, monthly cash flow is $453 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $210k).
• Recommended offer: $204k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.9% 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 (+1.3%/yr); 391 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); 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 ($89k/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 $1k of loan paydown is wiped out by about $6k 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 46 days — a 3% lower offer ($204k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $29k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1920 — 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 $203,603 (3.0% below list)

Questions for the listing agent

1. It's been on market 46 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 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 1.18% ✓
• Cap rate: 8.88%
• Cash-on-cash: 9.24%
• DSCR: 1.41
• GRM: 7.1

CMA / ARV

• ARV (median comp): $217,875
• List price: $209,900
• Delta: -3.66%
• 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
3420 Leverton Ave	0.36mi	2/2.0 (-1)	1,340 (-4%)	1mo	$115,000	$86	68
808 S Eaton St	0.33mi	2/2.0 (-1)	1,488 (+7%)	1mo	$325,000	$218	63
280 S Robinson St	0.45mi	2/1.0 (-1)	1,282 (-8%)	1mo	$294,000	$229	61
36 N Decker Ave	0.65mi	3/2.0	1,430 (+3%)	0mo	$325,000	$227	60
118 S Eaton St	0.21mi	3/3.5	1,569 (+13%)	1mo	$330,000	$210	58
1006 S East Ave	0.62mi	3/2.0	1,482 (+7%)	1mo	$360,000	$243	55
735 S Curley St	0.63mi	3/2.0	1,476 (+6%)	1mo	$325,000	$220	55
628 Savage St S	0.67mi	3/2.0	1,482 (+7%)	0mo	$190,000	$128	54
902 Grundy St	0.39mi	3/2.0	1,588 (+14%)	1mo	$352,500	$222	53
738 S Macon St	0.41mi	3/2.5	1,568 (+13%)	0mo	$348,000	$222	53
122 Ellwood Ave	0.65mi	3/1.5	1,200 (-14%)	0mo	$235,000	$196	45
922 S Bouldin St	0.54mi	2/2.0 (-1)	1,202 (-13%)	1mo	$352,000	$293	43

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 · 1.31% rent growth · sell at horizon

5-year hold

• IRR: -4.3%
• Equity multiple: 0.84×
• Total profit: $-9,252
• Equity at exit: $31,297

10-year hold

• IRR: 3.3%
• Equity multiple: 1.22×
• Total profit: $12,941
• Equity at exit: $18,148

Cash invested: $58,772 (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 21224

• Rents YoY: 1.3%
• Active inventory: 391
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $2,472 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$312 /mo · $3,746/yr
• Insurance: −$87
• HOA: −$0
• Vacancy / Maint / Mgmt: −$519
• Net cashflow: $453

Break-even live

Break-even rent $1,899

Max offer price $209,900

Occupancy floor 77%

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: $52,475
• Closing costs: $6,297
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3905 Bank St Baltimore, MD	4.0	1.0–3.0	909	$2,820	$3.10	2d	20	0.05mi
4015 Eastern Ave Unit 2L Baltimore, MD	3.0	2.0	1100	$1,800	$1.64	43d	1	0.12mi
502 S Haven St Baltimore, MD	2.0	2.5	1440	$2,400	$1.67	23d	1	0.14mi
502 S Haven St Baltimore, MD	2.0	2.5	1440	$2,400	$1.67	16d	1	0.14mi
611 Grundy St Baltimore, MD	3.0	2.0	1434	$2,700	$1.88	23d	1	0.18mi
3710 E Pratt St Baltimore, MD	2.0	3.5	1230	$1,900	$1.54	23d	1	0.21mi
115 S Eaton St Baltimore, MD	3.0	2.5	1393	$1,800	$1.29	16d	1	0.22mi
235 S Highland Ave Baltimore, MD	2.0	1.5	1222	$2,000	$1.64	23d	1	0.28mi
400 S Highland Ave Unit 402 Baltimore, MD	2.0	1.0	900	$1,700	$1.89	43d	1	0.29mi
3502 E Lombard St Baltimore, MD	3.0	2.0	1522	$1,870	$1.23	43d	1	0.33mi
3306 Fleet St Baltimore, MD	4.0	3.0	1308	$3,500	$2.68	43d	1	0.34mi
3436 Leverton Ave Baltimore, MD	3.0	3.5	1500	$2,350	$1.57	23d	1	0.35mi
527 S Lehigh St Baltimore, MD	3.0	2.0	1320	$2,325	$1.76	43d	1	0.36mi
4505 Foster Ave Baltimore, MD	3.0	3.0	1376	$2,650	$1.93	23d	1	0.38mi
410 S Newkirk St Baltimore, MD	2.0	1.5	1330	$1,580	$1.19	43d	1	0.39mi
228 S Newkirk St Baltimore, MD	3.0	3.5	1620	$3,000	$1.85	43d	1	0.39mi
230 S Newkirk St Baltimore, MD	3.0	3.5	1600	$3,000	$1.88	17d	1	0.39mi
224 S Newkirk St Baltimore, MD	3.0	3.5	1600	$3,300	$2.06	20d	1	0.39mi
3430 E Baltimore St Baltimore, MD	3.0	2.5	1316	$2,250	$1.71	23d	1	0.40mi
133 S Macon St Baltimore, MD	2.0	2.5	1440	$2,400	$1.67	17d	1	0.41mi
249 S East Ave Baltimore, MD	2.0	2.0	1680	$2,250	$1.34	23d	1	0.41mi
4500 Fait Ave Baltimore, MD	3.0	3.5	1792	$2,800	$1.56	43d	1	0.41mi
3610 Dillon St Baltimore, MD	1.0–2.0	1.0–2.0	828	$2,820	$3.41	43d	1	0.44mi
106 S Bouldin St Baltimore, MD	2.0	3.0	1134	$2,100	$1.85	20d	1	0.44mi
822 S Highland Ave Baltimore, MD	4.0	3.0	1508	$3,500	$2.32	21d	1	0.44mi
3245 Fait Ave Baltimore, MD	3.0	2.0	1470	$2,900	$1.97	43d	1	0.45mi
608 Oldham St Baltimore, MD	3.0	3.5	1640	$2,500	$1.52	23d	1	0.46mi
939 S Baylis St Baltimore, MD	3.0	3.0	1606	$3,500	$2.18	17d	1	0.47mi
3304 E Baltimore St Baltimore, MD	3.0	1.5	1514	$1,875	$1.24	43d	1	0.48mi
727 S Macon St Baltimore, MD	3.0	2.5	1600	$3,450	$2.16	43d	1	0.48mi
611 Oldham St Baltimore, MD	2.0	1.0	1148	$1,800	$1.57	12d	1	0.48mi
127 S Robinson St Baltimore, MD	2.0	1.5	1400	$2,000	$1.43	43d	1	0.48mi
1 N Clinton St Baltimore, MD	4.0	1.5	1200	$1,700	$1.42	20d	1	0.49mi
113 N Clinton St Baltimore, MD	2.0	1.0	1300	$1,995	$1.53	43d	1	0.54mi
3850 Boston St Baltimore, MD	2.0	1.0–2.0	854	$3,378	$3.96	2d	22	0.56mi
1211 S Eaton St Unit 3035 Baltimore, MD	3.0	2.0	1545	$3,900	$2.52	23d	1	0.56mi
17 N East Ave Baltimore, MD	2.0	2.0	1326	$2,550	$1.92	23d	1	0.56mi
3205 Esther Pl Baltimore, MD	2.0	2.0	960	$1,850	$1.93	23d	1	0.60mi
3518 Elliott St Baltimore, MD	3.0	2.5	1036	$2,800	$2.70	17d	1	0.60mi
29 N Ellwood Ave Baltimore, MD	3.0	1.5	1100	$2,395	$2.18	23d	1	0.61mi

Listing history 25 events

1. 2026-06-18
   days on market $209,900 Active 46 DOM
2. 2026-06-17
   days on market $209,900 Active 45 DOM
3. 2026-06-16
   days on market $209,900 Active 44 DOM
4. 2026-06-15
   days on market $209,900 Active 43 DOM
5. 2026-06-13
   pricedays on market $209,900 Active 41 DOM
6. 2026-06-09
   days on market $219,900 Active 37 DOM
7. 2026-06-08
   days on market $219,900 Active 36 DOM
8. 2026-06-07
   days on market $219,900 Active 35 DOM
9. 2026-06-04
   days on market $219,900 Active 32 DOM
10. 2026-06-03
    days on market $219,900 Active 31 DOM
11. 2026-06-02
    days on market $219,900 Active 30 DOM
12. 2026-06-01
    days on market $219,900 Active 29 DOM
13. 2026-05-31
    days on market $219,900 Active 28 DOM
14. 2026-05-16
    price $219,900 1046-char remark
15. 2026-05-04
    listed $239,000 Active 1046-char remark
16. 2026-05-03
    historical $239,000 1046-char remark
17. 2024-05-06
    soldstatus $199,950
18. 2024-04-01
    soldstatus $199,950 Closed 1265-char remark

    Show marketing remark (1265 chars)

    Welcome to 3838 Bank Street! A charming end of group townhome in the heart of Highlandtown in the shopping/arts and entertainment district. .. . Highlandtown has always been a charming community in East Baltimore. Located one half block from Eastern Avenue, it is walking distance to shopping, restaurants, galleries and transportation. . blocks to neighboring Greektown, Canton and Patterson Park communities. . It is minutes to downtown Baltimore, Canton and the waterfront and in close proximity to Hopkins campuses. The covered porch front welcomes you, and being a corner home offers lots of natural light. Open floor plan, the main level has hardwood flooring with a living and dining area and eat-in kitchen. Two bedrooms on the upper level, there is a bonus room that can be used for an office, dressing or guest room. Central air conditioning -- and Although the basement is unfinished, there are windows for natural light - - original wood built-in cabinets, and can easily be converted to more living space. . Plenty of room for storage and laundry area, as well as a half bathroom. Rear patio/yard has the opportunity to convert to a small parking space if needed. . Plenty of community development all around this home and lots to do in this community!

19. 2024-02-29
    status Pending 1265-char remark

    Show marketing remark (1265 chars)

    Welcome to 3838 Bank Street! A charming end of group townhome in the heart of Highlandtown in the shopping/arts and entertainment district. .. . Highlandtown has always been a charming community in East Baltimore. Located one half block from Eastern Avenue, it is walking distance to shopping, restaurants, galleries and transportation. . blocks to neighboring Greektown, Canton and Patterson Park communities. . It is minutes to downtown Baltimore, Canton and the waterfront and in close proximity to Hopkins campuses. The covered porch front welcomes you, and being a corner home offers lots of natural light. Open floor plan, the main level has hardwood flooring with a living and dining area and eat-in kitchen. Two bedrooms on the upper level, there is a bonus room that can be used for an office, dressing or guest room. Central air conditioning -- and Although the basement is unfinished, there are windows for natural light - - original wood built-in cabinets, and can easily be converted to more living space. . Plenty of room for storage and laundry area, as well as a half bathroom. Rear patio/yard has the opportunity to convert to a small parking space if needed. . Plenty of community development all around this home and lots to do in this community!

20. 2024-02-17
    listed $199,950 Active 1265-char remark

    Show marketing remark (1265 chars)

    Welcome to 3838 Bank Street! A charming end of group townhome in the heart of Highlandtown in the shopping/arts and entertainment district. .. . Highlandtown has always been a charming community in East Baltimore. Located one half block from Eastern Avenue, it is walking distance to shopping, restaurants, galleries and transportation. . blocks to neighboring Greektown, Canton and Patterson Park communities. . It is minutes to downtown Baltimore, Canton and the waterfront and in close proximity to Hopkins campuses. The covered porch front welcomes you, and being a corner home offers lots of natural light. Open floor plan, the main level has hardwood flooring with a living and dining area and eat-in kitchen. Two bedrooms on the upper level, there is a bonus room that can be used for an office, dressing or guest room. Central air conditioning -- and Although the basement is unfinished, there are windows for natural light - - original wood built-in cabinets, and can easily be converted to more living space. . Plenty of room for storage and laundry area, as well as a half bathroom. Rear patio/yard has the opportunity to convert to a small parking space if needed. . Plenty of community development all around this home and lots to do in this community!

21. 2024-02-13
    historical $199,950 1265-char remark

    Show marketing remark (1265 chars)

    Welcome to 3838 Bank Street! A charming end of group townhome in the heart of Highlandtown in the shopping/arts and entertainment district. .. . Highlandtown has always been a charming community in East Baltimore. Located one half block from Eastern Avenue, it is walking distance to shopping, restaurants, galleries and transportation. . blocks to neighboring Greektown, Canton and Patterson Park communities. . It is minutes to downtown Baltimore, Canton and the waterfront and in close proximity to Hopkins campuses. The covered porch front welcomes you, and being a corner home offers lots of natural light. Open floor plan, the main level has hardwood flooring with a living and dining area and eat-in kitchen. Two bedrooms on the upper level, there is a bonus room that can be used for an office, dressing or guest room. Central air conditioning -- and Although the basement is unfinished, there are windows for natural light - - original wood built-in cabinets, and can easily be converted to more living space. . Plenty of room for storage and laundry area, as well as a half bathroom. Rear patio/yard has the opportunity to convert to a small parking space if needed. . Plenty of community development all around this home and lots to do in this community!

22. 2023-03-14
    soldstatus $162,500
23. 2023-01-09
    soldstatus $162,500 Closed

    Show marketing remark (1196 chars)

    Bring your ideas to this well-maintained end of group, Highlandtown rowhome, that is ready for your personal touch. You are welcomed by a covered front porch that is perfect to relax on a nice sunny day. The main level boasts an open floor plan with hardwood floors in the living and dining area. The kitchen has updated appliances along with a breakfast nook. The door off of the kitchen leads to the rear patio that is ready for you to host a BBQ or that could potentially be converted into a small parking pad. As you continue to the second level there is a full bath and a good-sized rear bedroom. Plus, a spacious middle bedroom that connects to a bonus space in the front of the home, that is perfect for an office for those working from home or convert it into a glorified walk-in closet. You could even close it off to make it a third bedroom. The basement has a lot of potential and has been improved including, storage space, laundry area, and a shower. Enjoy the accessibility that Highlandtown offers with it being a short distance to Eastern Ave, and the Enoch Pratt Library. Close proximity to Patterson Park and Canton Crossing with easy access to 895. Schedule your showing today.

24. 2022-12-11
    status Pending

    Show marketing remark (1196 chars)

    Bring your ideas to this well-maintained end of group, Highlandtown rowhome, that is ready for your personal touch. You are welcomed by a covered front porch that is perfect to relax on a nice sunny day. The main level boasts an open floor plan with hardwood floors in the living and dining area. The kitchen has updated appliances along with a breakfast nook. The door off of the kitchen leads to the rear patio that is ready for you to host a BBQ or that could potentially be converted into a small parking pad. As you continue to the second level there is a full bath and a good-sized rear bedroom. Plus, a spacious middle bedroom that connects to a bonus space in the front of the home, that is perfect for an office for those working from home or convert it into a glorified walk-in closet. You could even close it off to make it a third bedroom. The basement has a lot of potential and has been improved including, storage space, laundry area, and a shower. Enjoy the accessibility that Highlandtown offers with it being a short distance to Eastern Ave, and the Enoch Pratt Library. Close proximity to Patterson Park and Canton Crossing with easy access to 895. Schedule your showing today.

25. 2022-11-16
    listed $169,900 Active

    Show marketing remark (1196 chars)

    Bring your ideas to this well-maintained end of group, Highlandtown rowhome, that is ready for your personal touch. You are welcomed by a covered front porch that is perfect to relax on a nice sunny day. The main level boasts an open floor plan with hardwood floors in the living and dining area. The kitchen has updated appliances along with a breakfast nook. The door off of the kitchen leads to the rear patio that is ready for you to host a BBQ or that could potentially be converted into a small parking pad. As you continue to the second level there is a full bath and a good-sized rear bedroom. Plus, a spacious middle bedroom that connects to a bonus space in the front of the home, that is perfect for an office for those working from home or convert it into a glorified walk-in closet. You could even close it off to make it a third bedroom. The basement has a lot of potential and has been improved including, storage space, laundry area, and a shower. Enjoy the accessibility that Highlandtown offers with it being a short distance to Eastern Ave, and the Enoch Pratt Library. Close proximity to Patterson Park and Canton Crossing with easy access to 895. Schedule your showing today.

ⓘ 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: $3,746 · $312/mo
• Projected year-2 tax: $3,746 · $312/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

Taxation est. · year 1

• Rental income: $29,666
• − Mortgage interest: −$11,758
• − Property taxes: −$3,746
• − Insurance: −$1,050
• − Repairs & maintenance: −$2,373
• − Management: −$2,373
• − Depreciation: −$6,106
• Taxable income: $2,260
• Est. tax owed @ 24.0%: −$542
• After-tax cash flow: $4,889/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): 47,465
• Household income: $89,017
• Rent vs Own: 41.5% rent · 58.5% own
• Severe rent burden: 1786.0

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 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 21% Black 16% Two or more races 7% Asian 4%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Dominican 1%
• Common ancestry: Romanian 5% Lithuanian 2% Italian 1%
• Foreign-born: 17% · Canada, China, Vietnam
• Languages at home: 76% English-only · Spanish 18% Other Indo-European 2% Russian/Polish/Slavic 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: ▼ -332.23%
• Current HPI: 241.284
• Rent YoY: ▲ 1.31%
• 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

+23.5% since first listed

14 events — show timeline

• 2026-06-18 Listing Removed — BRIGHT MLS
• 2026-06-12 Price Changed $209,900 BRIGHT MLS
• 2026-05-16 Price Changed $219,900 BRIGHT MLS
• 2026-05-04 Listed $239,000 BRIGHT MLS
• 2026-05-03 Coming Soon — BRIGHT MLS
• 2024-05-06 Sold (Public Records) $199,950 Public Records
• 2024-04-01 Sold (MLS) $199,950 BRIGHT MLS
• 2024-02-29 Pending — BRIGHT MLS
• 2024-02-17 Listed $199,950 BRIGHT MLS
• 2024-02-13 Coming Soon $199,950 BRIGHT MLS
• 2023-03-14 Sold (Public Records) $162,500 Public Records
• 2023-01-09 Sold (MLS) $162,500 BRIGHT MLS
• 2022-12-11 Pending — BRIGHT MLS
• 2022-11-16 Listed $169,900 BRIGHT MLS

Property tax history

+1.3%/yr

Latest (2025): $3,746 · +2.3% YoY. Source: county tax records.