Baltimore City, MD Mortgage Calculator
Estimate your monthly mortgage payment in Baltimore City with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,536
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $156,000
LTV: 0.01%
P&I Payment
$1,033
Total Interest
$215,750
over loan life
Payoff
30 yr
Closing Costs
$3,783–$7,062
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,033 | $129 | $904 | $155,871 | $904 |
| 2 | $1,033 | $130 | $903 | $155,741 | $1,806 |
| 3 | $1,033 | $131 | $902 | $155,610 | $2,708 |
| 4 | $1,033 | $131 | $901 | $155,479 | $3,610 |
| 5 | $1,033 | $132 | $900 | $155,347 | $4,510 |
| 6 | $1,033 | $133 | $900 | $155,214 | $5,410 |
| 7 | $1,033 | $134 | $899 | $155,080 | $6,309 |
| 8 | $1,033 | $134 | $898 | $154,946 | $7,207 |
| 9 | $1,033 | $135 | $897 | $154,810 | $8,104 |
| 10 | $1,033 | $136 | $897 | $154,674 | $9,001 |
| 11 | $1,033 | $137 | $896 | $154,538 | $9,897 |
| 12 | $1,033 | $138 | $895 | $154,400 | $10,792 |
Months 1–12 of 360
2025 Loan Limits — Baltimore City, MD
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Baltimore City Mortgage
What is the property tax rate in Baltimore City?
The effective property tax rate in Baltimore City is approximately 2.25%. This means a home worth $195,000 would have an estimated annual tax bill of about $4,388.
What is the 2025 FHA loan limit in Baltimore City?
The 2025 FHA loan limit for a single-family home in Baltimore City, MD is $524,225.
What is the conforming loan limit in Baltimore City?
The 2025 conforming loan limit in Baltimore City is $806,500. Loans above this amount are considered jumbo loans.