Baltimore Housing Market Data 2026
📈 Market Analysis — Baltimore, MD
As of 2026, the Baltimore real estate market presents a stable, income-
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🏘️ Rent Breakdown — HUD Fair Market Rents
HUD Fair Market Rent represents the 40th percentile of gross rents paid by recent movers in Baltimore. Used as a benchmark for Section 8 voucher limits and rental market analysis.
| Bedroom Count | Monthly Rent (HUD FMR) | Annual Rental Income | Est. Cap Rate at Median Price |
|---|---|---|---|
| 1 Bedroom | $1,300/mo | $15,600/yr | 3.6% est. |
| 2 Bedrooms | $1,600/mo | $19,200/yr | 4.4% est. |
| 3 Bedrooms | $2,000/mo | $24,000/yr | 5.5% est. |
💰 Cost of Investing in Baltimore
| Cost Item | Rate / Amount | Est. Annual Cost | Monthly Cost |
|---|---|---|---|
| Property Tax | 1.1% effective rate | $3,264 | $272/mo |
| Homeowners Insurance | Maryland avg premium | $1,500 | $125/mo |
| Total Tax + Insurance | Based on median home price of $305,000 | $397/mo | |
These figures reflect state-level averages. Property tax rates vary by county; insurance costs vary by property type, age, and claims history. Source: Tax Foundation (2025), NAIC (2024).
⚖️ How Baltimore Compares to National Averages
National averages calculated across all 69 tracked US investor markets. A cap rate above the national average suggests stronger cash flow potential relative to purchase price.
🛠️ Tools for Analyzing Baltimore Deals
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