Aug 2026
$248K
+2.7% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Baltimore, MD
Median sale price, a Redfin vs. FHFA price check, and daily-refreshed real estate signals for Baltimore, MD. Built for agents; free to read.
Baltimore, MD’s median sale price is $248K as of Aug 2026 — +2.7% year over year. Pecan Street measures Baltimore’s year-over-year home-price change two independent ways: Redfin sale prices and the FHFA House Price Index. No market signals are flagged here right now.
Headline
Oct 6, 2026
7.45%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,382/mo
$59K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Baltimore compares to other U.S. metros
| Price-to-rent | ↓188th of 195 |
|---|---|
| Days on market | ↓150th of 195 |
| Price cuts | ↑58th of 195 (top 30%) |
| Home-price growth | 81st of 195 (top 42%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 8 -3.5% YoY ↓188th of 195 |
|---|---|
| Asking price / sq ft | $215 -2.7% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 42% -0.8 pts YoY ↑58th of 195 (top 30%) |
|---|---|
| New housing units permitted | 314 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 151 |
|---|---|
| MLS board of record | Bright MLS |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
normal · 0.0ppRedfin (city) +2.7% | FHFA HPI · Q2 2026 +2.7% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
Market dispatches
Citable market dispatches for Baltimore → Latest dispatch: Jul 24, 2026.
Track Baltimore, MD with Pecan Street
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 21122 | $458K↓ | 139↑ | 68↑ | 80↑ | 32↑ | $456K↑ |
| 21213 | $160K↓ | 209↑ | 58↓ | 58↑ | 74↑ | $116K↓ |
| 21215 | $180K↓ | 241↑ | 68↑ | 74↓ | 65↑ | $159K↓ |
| 21216 | $146K↓ | 182↑ | 38↓ | 64↑ | 55↑ | $115K↓ |
| 21217 | $125K↓ | 201↑ | 44↑ | 68↑ | 81↑ | $94K↓ |
| 21218 | $200K↓ | 220↑ | 62↑ | 58↓ | 58↑ | $184K↓ |
| 21222 | $250K↓ | 129↑ | 66↓ | 68↓ | 37↑ | $226K↓ |
| 21223 | $103K↓ | 297↑ | 74↓ | 80↑ | 79↑ | $70K↓ |
| 21224 | $300K↓ | 273↑ | 84↓ | 122↑ | 52↑ | $235K↓ |
| 21229 | $195K↓ | 153↑ | 38↓ | 58↑ | 63↑ | $173K↓ |
| 21230 | $330K↓ | 238↑ | 96↑ | 86↑ | 56↑ | $267K↓ |
| 21401 | $854K↑ | 127↑ | 62↑ | 46↑ | 44↑ | $633K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.