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Baltimore city, MD

ZIP 21239 — 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 21239

Median Home Value
$191,200
Median Rent
$1,155
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,228/mo PITI).

22%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.8 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 21239 in Baltimore city, MD, a household would need roughly $53,000 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 $1,228. That sits below the local median household income ($64,288), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
56.1%-14% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
18.9%+48% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
20.6%-59% vs US avg
x
Mortgage-Free
23.2%-39% vs US avg
x
$191,200
Home Value
$1,155
Rent
1956
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached10.5%
  • 1-unit attached54.2%
  • 2-9 units23.3%
  • 10+ units12.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,200
Median rent$1,155
Owner-occupied56.1%
Vacant6.5%
Price-to-income3.0x
Est. income to buy$53,000