Real Estate Investing in Baltimore, Ohio (43105)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Fairfield County • Population: 9,059 • Data updated: September 2026

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Should you buy in 43105 (Baltimore, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (64/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High price-to-rent: Price-to-rent ratio 34.9 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Baltimore, OH (43105)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $403,777
Avg Monthly Rent $963
1% Rule ✗ Does Not Meet
Median Income $86,250
% Renters 19.8%

Market Analysis: 43105 Baltimore

This part of Fairfield County is not an easy win. The 43105 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The 43105 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Statewide comparisons place 43105 among OH's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Employment concentration in 43105 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

The right play in 43105 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Baltimore:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.7× the median income
Value Trend
Rising (+5.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $963/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Columbus, OH Metro Area
Even conditions for buyers and sellers
32 days
Average time to sell
Average
14.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Columbus, OH metro data
🏠

Property Strategy for 43105

Which property type performs best in this market?

Best for Cash Flow
2BR
3.3% cap rate
Best for Appreciation
5BR
+8.4% 5yr CAGR
Best Overall Value
5BR
$115,436/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $230,879 $1,070 3.3% +7.3% $115,440
3BR $367,305 $1,280 2.5% +7.3% $122,435
4BR $478,359 $1,430 2.2% +7.8% $119,590
5BR $577,182 +8.4% $115,436

Market Trends

Home Value History (with trend line)

$425K$370K$315K$259K$204K$149KJul 2006Jul 2016Jul 2026

📊 How Does 43105 Compare?

Metric 43105 Baltimore Columbus, OH Ohio
Home Value $403,777 $403,777 N/A $237,530
5-Year CAGR 5.4% 5.4% N/A 7.4%
Avg Rent $963 $963 N/A -
Cap Rate 1.9% 1.9% - -
💡 Why Invest in 43105? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 43105 (Baltimore, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.9%
Low
5yr Growth
+5.4%
Moderate

📉 Market Crash Risk Index

Based on Columbus, OH metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
42%
Days Pending
0/2
32 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $403,777
Monthly Rent $963
Price-to-Rent 34.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 2.9%
Cap Rate 1.9%
5-Year IRR 7.3%

📈 Home Appreciation

1-Year +5.8% ▲
3-Year CAGR +4.0% ▲
5-Year CAGR +5.4% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
3.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 43105

Population: 9,059

💰 Median Household Income
$86,250
This area
$86,250
State
$68,496
USA
$74,580
🏠 Renter Occupied
19.8%
This area
19.8%
State
25.8%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-9.1%
USA
3.7%
🎓 College Educated
28.0%
This area
28.0%
State
8.4%
USA
33.7%
👤 Median Age
39.6 years
This area
39.6 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
3.4%
This area
3.4%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 95.8%
Other/Mixed 3.4%
Hispanic/Latino 0.9%
Black/African American 0.5%
Asian 0.3%
👶 Under 18
24.2%
This area
24.2%
USA
22.0%
👴 65 and Over
19.2%
This area
19.2%
USA
17.3%
📊 Poverty Rate
6.4%
This area
6.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 43105

B+ Avg School Grade
3 Schools
17.5:1 Avg Class Size
$15,379 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Liberty Union Elementary School

📚 K – 04 Elementary
👥
472 Students
👨‍🏫
17.8:1 Class Size
💰
$15,379 Per Student
B+ Above Average

Liberty Union High School

📚 09 – 12 High School
👥
367 Students
👨‍🏫
15.2:1 Class Size
💰
$15,379 Per Student
B Good

Liberty Union Middle School

📚 05 – 08 School
👥
353 Students
👨‍🏫
19.6:1 Class Size
💰
$15,379 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

6 Nearby 246 Off-Campus Students
C
Ohio University-Lancaster Campus
1,977 students · 8.9 mi
C
Ohio State School of Cosmetology-Canal Winchester
50 students · 11.4 mi
D
Valor Christian College
352 students · 11.4 mi
D
Ohio Media School-Columbus
43 students · 14.0 mi
C+
Eastland-Fairfield Career and Technical Schools
84 students · 14.2 mi
C
Ohio State School of Cosmetology-Heath
92 students · 14.8 mi

Frequently Asked Questions

Do landlords face vacancy issues in Baltimore, OH?

Rental vacancy in Baltimore, OH is elevated. Investors should budget normal turnover but not chronic empty units.

What is the average home sale price in Baltimore, OH?

Expect median prices around $404K in Baltimore, OH. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.

What is the best play in Baltimore, OH?

Baltimore, OH investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($404K prices, $963/mo rents) make it a reasonable choice.

How deep is the rental pool in Baltimore, OH?

The tenant pool in Baltimore, OH is solid, supported by local employment and population fundamentals. Rents of $963/mo are well-absorbed by the market.

How much rent can I charge in Baltimore, OH?

Baltimore, OH rentals go for roughly $963/mo a month. That puts gross yield in solid territory relative to $404K acquisition costs.

You know 43105 now. You don’t know where it ranks.

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How 43105 ranks in Columbus, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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