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Baltimore city, MD

ZIP 21212 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21212

Median Home Value
$357,900
Median Rent
$1,134
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,299/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 21212 in Baltimore city, MD, a household would need roughly $99,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,299. That is roughly in line with the local median household income ($96,752). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.9%+4% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
19.5%+52% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
34.4%-10% vs US avg
x
$357,900
Home Value
$1,134
Rent
1949
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached34.1%
  • 1-unit attached43.3%
  • 2-9 units16.3%
  • 10+ units6.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$357,900
Median rent$1,134
Owner-occupied67.9%
Vacant7.0%
Price-to-income3.7x
Est. income to buy$99,000