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
Daily-refreshed real estate signals + Three-Opinion home-price methodology 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 tracks Baltimore with its Three-Opinion home-price methodology (Redfin, FHFA HPI, and Zillow ZHVI), with no market signals flagged right now.
Headline
Sep 18, 2026
7.04%
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
$1,327/mo
$57K/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 | ↓183rd of 195 |
|---|---|
| Days on market | ↓151st of 194 |
| Price cuts | ↑76th of 194 (top 40%) |
| Home-price growth | 80th 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 | ≈ 9 +10.1% YoY ↓183rd of 195 |
|---|---|
| Asking price / sq ft | $214 -2.3% 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 Aug 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 | ≈ 40% -1.8 pts YoY ↑76th of 194 (top 40%) |
|---|---|
| New housing units permitted | 406 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Aug 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 Jul 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 | Three-Opinion · Redfin · FHFA HPI · Zillow ZHVI |
| 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 | $480K↓ | 118↑ | 76↑ | 72↑ | 37↑ | $456K↑ |
| 21213 | $160K↓ | 218↑ | 48↓ | 80↑ | 71↑ | $116K↓ |
| 21215 | $185K↓ | 246↑ | 84↑ | 76↓ | 61↑ | $159K↓ |
| 21216 | $150K↓ | 188↑ | 72↑ | 64↑ | 61↑ | $115K↓ |
| 21217 | $128K↓ | 217↑ | 60↑ | 84↑ | 70↑ | $94K↓ |
| 21218 | $200K↓ | 217↑ | 72↑ | 84↓ | 56↑ | $184K↓ |
| 21220 | $417K↓ | 116↑ | 48↑ | 40↑ | 46↑ | $333K↑ |
| 21222 | $250K↓ | 134↑ | 80↓ | 64↑ | 32↑ | $226K↓ |
| 21223 | $105K↓ | 304↑ | 68↓ | 104↑ | 69↑ | $70K↓ |
| 21224 | $302K↓ | 271↑ | 100↓ | 120↑ | 43↑ | $235K↓ |
| 21229 | $195K↓ | 158↑ | 52↑ | 64↑ | 55↑ | $173K↓ |
| 21230 | $315K↓ | 244↑ | 100↑ | 104↑ | 58↑ | $267K↓ |
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.