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Verified Neighborhood Report

Baltimore, MD

Location verified via US geocoding. Safety, Schools, and Noise scores are deterministically modeled for this exact place.

Report status

US location · verified

Neighborhood intelligence

Your Baltimore relocation brief

Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for Baltimore.

Median rent

$1,857/mo

HUD 2024

Median household income

$58,349

Census ACS 2022

Median home value

$202,900

Census ACS 2022

Safety score

75/100

FBI CDE

Schools

B+

Estimated

Weather

77°F (H 86° / L 68°)

Open-Meteo

Safety & Crime Index

75/100

FBI CDE

Above-average peace of mind — 12% above average

Above Average

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 77°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 54 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how Baltimore stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in Baltimore MD

Typical home values in Baltimore, MD sit near $202,900. That is still an entry point for buyers priced out of $500k+ metros.

Baltimore has about 584,548 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is Baltimore MD Safe?

Baltimore MD scores 75/100 on safety (above average). Crime is about 12% above the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 112 (100 = avg); violent crime index 115; property crime index 109. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Baltimore MD

Campus scores in the report: Baltimore Elementary (elementary) at 7/10; Baltimore Middle School (middle) at 7/10; Baltimore High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in Baltimore MD

Typical rent in Baltimore is about $1,857/month (on the high side). At $1,857/month for a typical unit, you need about $66,852+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $202,900.

Median household income is $58,349, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($58,349) sits below the $66,852 comfort line for that rent. Many households will feel stretched.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Baltimore MD

Average temperature is about 77°F (highs near 86°F, lows near 68°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Baltimore MD?

Who tends to thrive in Baltimore: (1) Households that want quieter streets (safety sits at 75/100) (2) Dual-income households (at $1,857/month, the rent math works much better with two salaries) (3) People relocating for a job who can pick a safer ZIP (citywide safety is 75/100) (4) Households earning $66,852+ who can clear the 3× rent rule at $1,857/month

Who should look elsewhere: (1) Single earners under $70k (the rent-to-income ratio is tight at $1,857/month) (2) Anyone stretching past 40% of take-home on housing at $1,857/month (3) Households expecting top marks on rent, safety, and schools at once (Baltimore does not clear every bar)

Income sniff test: clear about $66,852 household income for $1,857/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Baltimore MD is not worth a speculative move. Come only for a specific job or family reason.

The strongest upside is safety at 75/100 (above what many metros post).

The biggest risk is rent at $1,857/month. Budget from a $66,852+ household income or the ratio gets tight.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Baltimore.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,439

Mortgage + tax + insurance + HOA

Annual property tax

$2,942

Annual est. $5,580

Est. monthly utilities

$355

Climate-adjusted electric, gas & water

Median home price

$202,900

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$182k
2022
$187k
2023
$192k
2024
$198k
2025
$203k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Buying saves ~$418/mo vs renting
$1,857HUD 2024
Rent
$1,439
Buy

Mortgage

$1,026

Property tax

$245

Insurance

$73

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$2,692/yr

2024

1.37%

$2,773/yr

2025

1.41%

$2,856/yr

2026

1.45%

$2,942/yr

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

42 (100 = avg)

low exposure

Est. annual homeowners insurance

$870/yr

moderate exposure
Wind hazard index54 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 77°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $870.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Baltimore to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo