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Baltimore city, MD

ZIP 21226 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21226

Median Home Value
$318,500
Median Rent
$1,067
Affordability Snapshot
$88,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,046/mo PITI).

16%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

24.9 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 21226 in Baltimore city, MD, a household would need roughly $88,000 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 $2,046. That is roughly in line with the local median household income ($79,712). 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
63.1%-4% vs US avg
x
Vacancy Rate
8.5%-17% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.8%-54% vs US avg
x
Mortgage-Free
22.0%-43% vs US avg
x
$318,500
Home Value
$1,067
Rent
1982
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 detached24.3%
  • 1-unit attached59.8%
  • 2-9 units13.5%
  • 10+ units2.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$318,500
Median rent$1,067
Owner-occupied63.1%
Vacant8.5%
Price-to-income4.0x
Est. income to buy$88,000