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Baltimore city, MD

ZIP 21224 — 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 21224

Median Home Value
$281,400
Median Rent
$1,499
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,808/mo PITI).

21%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

15.6 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 21224 in Baltimore city, MD, a household would need roughly $77,000 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 $1,808. That sits below the local median household income ($86,209), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.7%-9% vs US avg
x
Vacancy Rate
13.3%+29% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
10.0%-22% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
25.6%-49% vs US avg
x
Mortgage-Free
24.4%-36% vs US avg
x
$281,400
Home Value
$1,499
Rent
1941
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached10.4%
  • 1-unit attached71.9%
  • 2-9 units6.1%
  • 10+ units11.5%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,400
Median rent$1,499
Owner-occupied59.7%
Vacant13.3%
Price-to-income3.3x
Est. income to buy$77,000