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Baltimore city, MD

ZIP 21231 — 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 21231

Median Home Value
$336,500
Median Rent
$1,571
Affordability Snapshot
$93,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,162/mo PITI).

22%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

17.8 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 21231 in Baltimore city, MD, a household would need roughly $93,000 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 $2,162. That is roughly in line with the local median household income ($85,382). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
35.0%-46% vs US avg
x
Vacancy Rate
16.6%+61% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
19.9%-60% vs US avg
x
Mortgage-Free
25.7%-33% vs US avg
x
$336,500
Home Value
$1,571
Rent
1938
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached3.2%
  • 1-unit attached47.7%
  • 2-9 units18.7%
  • 10+ units30.4%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$336,500
Median rent$1,571
Owner-occupied35.0%
Vacant16.6%
Price-to-income3.9x
Est. income to buy$93,000