Baltimore city, MD Average Home Price (2026)
The average home price in Baltimore city, Maryland is about $215,000 (the 2026 median across 20 ZIP codes, at ~$171/sq ft) — 51% more affordable than the Maryland median and 26% more affordable than the typical U.S. home.
How Baltimore city compares
Baltimore city is relatively affordable for housing nationally: its typical home costs $215,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $66,000 to $480,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Baltimore city | $215,000 | $171 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Cities in Baltimore city
Cities with their own home-value page, largest first:
Baltimore city home prices by ZIP code
The 15 most valuable ZIP codes in Baltimore city (of 20 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21210 Baltimore | $480,000 | $263 | +123% |
| 21212 Baltimore | $336,000 | $180 | +56% |
| 21226 Baltimore | $314,000 | $206 | +46% |
| 21231 Baltimore | $292,000 | $237 | +36% |
| 21211 Baltimore | $278,000 | $233 | +29% |
| 21230 Baltimore | $265,000 | $224 | +23% |
| 21214 Baltimore | $255,000 | $169 | +19% |
| 21224 Baltimore | $233,000 | $197 | +8% |
| 21201 Baltimore | $218,000 | $197 | +1% |
| 21206 Baltimore | $218,000 | $170 | +1% |
| 21239 Baltimore | $212,000 | $171 | -1% |
| 21202 Baltimore | $184,000 | $189 | -14% |
| 21218 Baltimore | $182,000 | $147 | -15% |
| 21229 Baltimore | $170,000 | $138 | -21% |
| 21215 Baltimore | $159,000 | $117 | -26% |
Home value appreciation in Baltimore city
Home prices in Baltimore city have risen about 47% over the last 10 years (≈3.9% a year) and +51.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.6% — still rising. A home worth $215,000 today was worth roughly $146,159 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maryland is +59.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Baltimore city
Run the numbers for Baltimore city with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Baltimore city
To buy the typical $215,000 home in Baltimore city with 20% down, you need a household income of roughly $58,000 a year (about $1,360 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $70,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,800 | $1,700/mo | $73,000/yr |
| 10% (+PMI) | $21,500 | $1,620/mo | $70,000/yr |
| 20% | $43,000 | $1,360/mo | $58,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Baltimore city
At about $171 per square foot, here is roughly how much home different budgets get you in Baltimore city:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 880 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1170 sq ft | around the typical home here |
| $250k | 1460 sq ft | around the typical home here |
| $300k | 1750 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maryland.
Estimate a specific home in Baltimore city
Enter your ZIP and size for an instant estimate tailored to your exact area:
Baltimore city home prices: frequently asked
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Browse all Maryland cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.