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Market MapMarylandBaltimore City

Baltimore City

MarylandPopulation: 584,548
71
/100
Buy
#120 of 1,000 counties
#2 in Maryland (24 counties)

Market Snapshot

$182,779
Median Home Price
33% below national median
$1,737/mo
Median Rent
16% above national median
11.40%
Rent-to-Price Ratio
Top 1% nationally
+$171
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$182,779
Down Payment (20%)$36,556
Loan Amount$146,223
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,737
Monthly P&I-$958
Est. Expenses (35%)-$608
Net Cash Flow+$171/mo
7.4%
Cap Rate (all cash)
4.9%
Cash-on-Cash Return
11.40%
Rent-to-Price Ratio

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

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Score Breakdown

Overall Investment Score
71/100
71
Cash Flow(30%)
100/100

Based on 11.40% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
50/100

Based on -0.1% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
83/100

Price-to-income ratio of 3.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (11.40%)
  • +Positive cash flow potential (+$171/mo)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Declining home values (-0.1% YoY)

Economic Indicators

Population
584,548
Median Income
$58,349
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.1x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
AlleganyMD
75$148,598$9437.62%Strong BuyView
CurrentBaltimore CityMD
71$182,779$1,73711.40%Buy
CalvertMD
65$471,515$2,5326.44%BuyView
WicomicoMD
65$268,903$1,6717.46%BuyView
SomersetMD
64$200,242Est. pending—BuyView
BaltimoreMD
61$352,651$1,7295.88%BuyView

The Bottom Line

BuyBaltimore City offers solid investment potential with good cash flow or appreciation prospects.

Baltimore City in Maryland scores 71/100, ranking #120 of 1,000 US counties (top 12%). The 11.40% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential. At current rates with 20% down, a median-priced property could generate approximately $171/month in cash flow.

Monthly Cash Flow
+$171/mo
Cap Rate
7.4%
Cash-on-Cash
4.9%

Ready to Analyze a Deal in Baltimore City?

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