County data
Baltimore city, MD Mortgage Calculator
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- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
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Baltimore city at a glance
Median home value
$229,600
Property tax rate
1.57%
Maryland: 1.00% · U.S.: 1.05%
Median income
$62,177
Conforming loan limit
$832,750
Typical monthly cost of the median home
Principal and interest
$1,257
$183,680 loan at 7.28%, 30 years
Property tax
$300
1.57% of $229,600 a year
Together
$1,557
before insurance, HOA and PMI
Other large counties in Maryland
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Montgomery County | $640,300 | 0.85% | $3,958 |
| Prince George's County | $426,000 | 1.14% | $2,737 |
| Baltimore County | $349,300 | 1.08% | $2,226 |
| Anne Arundel County | $467,900 | 0.86% | $2,896 |
| Howard County | $597,900 | 1.17% | $3,856 |
| Frederick County | $464,600 | 1.00% | $2,930 |
| Harford County | $386,400 | 0.90% | $2,405 |
| Carroll County | $434,000 | 0.92% | $2,708 |
Frequently asked questions
What is the property tax rate in Baltimore city, MD?
Homeowners with a mortgage in Baltimore city pay a median of $3,608 a year in property tax on a median home value of $229,600, an effective rate of 1.57%. That is above the Maryland figure of 1.00% and above the U.S. median of 1.05%. It ranks 1 of 24 counties in Maryland for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Baltimore city?
On a $229,600 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $1,257 a month and property tax about $300, so roughly $1,557 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $62,177 a year, so that payment is about 30% of it.
What is the conforming loan limit in Baltimore city?
The 2026 one-unit conforming loan limit for Baltimore city is $832,750. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.