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📍 Baltimore, MD · Zillow ZHVI · July 2026

Average Home Price in
Baltimore, MD

Baltimore-Columbia-Towson, MD metro area · Baltimore City County

Median Home Value
$192,669
↓ 2.3% year-over-year
vs. National Median
$410,000
Baltimore is 53% below
Est. Monthly Payment
$1,005/mo
20% down · 6.8% rate
Income Needed
$51K
gross annual (30% rule)
Median Home Value
$192,669
↓ 2.3% year-over-year
Down Payment (20%)$38,534
Monthly P&I$1,005/mo
With Taxes & Ins.~$1,276/mo
Income Needed$51,040/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Baltimore, MD

The median home value in Baltimore, MD is $192,669 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.3% compared to a year ago and up 0.1% from two years prior.

Compared to the U.S. national median of $410,000, homes in Baltimore are priced53% below average. Baltimore is part of the Baltimore-Columbia-Towson, MD metro area.

Over the past five years, Baltimore home values have risen by approximately9.4%, reflecting steady appreciation in this market.

City Comparison

Baltimore vs. National Median

🏠 Baltimore
$192,669
National Median
$410,000

At $192,669, homes in Baltimore cost 53% below the national median of $410,000. This makes Baltimore a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Baltimore?

20% Down Payment
$38,534
on $192,669
Monthly P&I
$1,005/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,276/mo
incl. taxes & insurance
Income Needed
$51,040
gross annual (30% rule)
10% Down Option
$19,267
+ PMI applies
Loan Amount (20% dn)
$154,135
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Baltimore, MD?
The median home value in Baltimore is $192,669 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.3% year-over-year.
How much have home prices changed in Baltimore?
Over the past year, home values in Baltimore have decreased by 2.3%. Over five years, prices have risen approximately 9.4%.
How much do I need to earn to buy a home in Baltimore?
To comfortably afford the median home price of $192,669 with a 20% down payment ($38,534) at today's rates (6.8%), you'd need a gross annual income of approximately $51,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Baltimore compare to the national average home price?
The national median home value is approximately $410,000. At $192,669, homes in Baltimore are 53% below the national average.
What metro area is Baltimore part of?
Baltimore is part of the Baltimore-Columbia-Towson, MD metropolitan area. Home prices and market conditions can vary across the broader metro region.