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Baltimore, Maryland Retirement Guide
established retirement community
48
Retirement Score
Baltimore, Maryland at a Glance
- Median Home Price
- $210,300
- State Income Tax
- State income tax; Social Security exempt; pension exclusion available for qualifying retirees.
- Avg January Low
- 29.3°F
- Cost of Living Index
- 104.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 48 / 100
Retirement Data
Affordability
Cost of Living Index
104.9 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$210,300High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,235High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; pension exclusion available for qualifying retirees.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
34.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
31.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
34.2 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
86.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
29.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
60.1"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
290 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
0.9 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
55.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
42.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
584,548High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
36.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
14.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$58,349High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
47.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
34.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
19.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
28.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
61.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
5.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Baltimore using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$456
Stress-case monthly carrying cost
$512
Median home price used: $210,300
Median rent reference: $1,235 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.