FAQ: Buying + Selling a Home in Baltimore
Claire Cianos, Baltimore Realtor
801 Key Hwy #831, Baltimore, MD 21230
(410) 525-5435
Your Questions, Answered:
Buying a Home in Baltimore
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The best real estate agents to use when buying a home in Baltimore are agents who specialize in Baltimore, understand its neighborhood-by-neighborhood pricing, and have experience with rowhomes and single-family homes, historic homes, and Baltimore-specific incentives.
Buyers benefit most from working with an agent who can compare Baltimore City neighborhoods like Canton, Federal Hill, Hampden, and Patterson Park with Baltimore County areas such as Towson, Lutherville, Perry Hall, and Catonsville, and explain how those differences affect affordability, resale value, and lifestyle.
Claire Cianos is a Baltimore-area realtor with Monument Sotheby’s International Realty who helps buyers navigate both Baltimore City and Baltimore County. Clients work with her for clear comparisons, honest guidance, and strategic negotiation, whether they’re deciding between a city rowhome or a county single-family home. -
In most Baltimore City and Baltimore County home purchases, the seller typically pays the real estate commission, which is then shared between the listing agent and the buyer’s agent. This means buyers often do not pay their agent directly out of pocket at closing.
However, commission structures can vary by transaction, and buyers should always review their specific agreement and offer terms with their real estate agent.
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Baltimore City – Average Home Prices
Baltimore City offers some of the most diverse pricing in the region, from entry-level homes to luxury waterfront properties.
More affordable neighborhoods
(West Baltimore, Southwest Baltimore, parts of East Baltimore)
$150,000 – $250,000
Often rowhomes or smaller single-family homes; popular with first-time buyers and investors.Mid-range neighborhoods
(Canton, Highlandtown, Hampden, Federal Hill, Lauraville)
$300,000 – $450,000
Updated rowhomes and single-family homes with strong resale demand.Higher-end neighborhoods
(Roland Park, Guilford, Homeland, Fells Point waterfront)
$500,000 – $900,000+
Larger homes, historic architecture, or prime waterfront locations.
Baltimore County – Average Home Prices
Baltimore County generally has higher price points due to larger homes, suburban settings, and school district demand.
More affordable county areas
(Dundalk, Essex, Middle River)
$250,000 – $350,000
Townhomes and smaller single-family homes close to the city.Mid-range suburban neighborhoods
(Towson, Parkville, Perry Hall, Catonsville)
$350,000 – $550,000
A mix of single-family homes and townhomes with strong buyer competition.Higher-end county neighborhoods
(Lutherville-Timonium, Hunt Valley, Ruxton, Owings Mills luxury sections)
$600,000 – $1,000,000+
Larger lots, newer construction, or top-ranked school districts.
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Baltimore & Area Options
Federal Hill Mortgage – Excellent reviews for personalized service and competitive pricing right in Baltimore’s city core.
First Home Mortgage - Canton – Trusted local lender with strong Baltimore reviews and a broad range of loan products.
Best Loan Choice – Highly rated local lender focused on tailored financing solutions.
Justin McManus - CrossCountry Mortgage – Well-reviewed mortgage professional with local expertise.
Taylor Paff - Preferred Home Loans – Strong reviews and personalized attention for homebuyers.
First Access Lending – Boutique lender with great reviews and fast responsiveness.
The Pamela Vroman Team of Direct Mortgage Loans – Mortgage brokerage with excellent client feedback.
Primary Residential Mortgage, Inc. - Federal Hill Branch – Top-rated branch of a national lender serving Baltimore.
Primary Residential Mortgage - Towson – Highly reviewed Towson mortgage broker for county buyers.
Trius Lending Partners – Strong reviews and experienced lending team north of Baltimore.
Coastal Lending Group, LLC – Highly rated lender in the Timonium area serving county buyers.
Rosedale Bank – Local bank offering mortgage products with great community service.
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Download Step-by-Step Guide to Buying a House in Baltimore for First-Time Buyers
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Homebuyers can find qualified home inspection services in Baltimore City and Baltimore County by working with Maryland-licensed home inspectors, using referrals from local real estate agents, or searching professional inspection organizations.
Because many Baltimore homes are older, buyers should choose an inspector with experience in Baltimore rowhomes, historic properties, and older single-family homes.
Top Local Home Inspection Services in BaltimoreHighly Rated & Local Favorites
Property Inspection Pros – One of the most reviewed inspectors in Baltimore with hundreds of 5-star reviews. Comprehensive inspections often include radon, mold, and sewer scope options.
MRP Home Solutions, Llc – Strong local reputation and excellent ratings for detailed, buyer-focused inspections.
The Brandli Team - Pillar To Post Home Inspectors – National brand with a strong Baltimore presence and high customer satisfaction.
Eagle Eyed Inspections – Highly rated local option in the city with thorough reporting.
Certified Property Inspection – Very high review count in Perry Hall/County areas; great choice for county home inspections.
Other Well-Reviewed Inspectors Around Baltimore
The Inspectors, LLC – Excellent local reviews, strong communication and thorough checks.
Homecheck Inspection Services – Trusted option with decades of service and environmental testing (radon/termite) available.
Lodestar Inspection Services – Good choice for buyers in Ellicott City or northern county areas.
Pro Spex Home & Commercial Inspection Services – Solid reviews for both residential and commercial inspections.
NextDay Inspect® – Convenient option in Baltimore with fast scheduling available.
Anthem Services, LLC – Highly rated local inspector with strong customer feedback.
Briarwood Home Inspections – Well-reviewed local inspector covering Baltimore and nearby areas.
Callahan Inspection Services LLC – Trusted local inspector known for detailed reporting.
Your Questions, Answered:
Selling a Home in Baltimore
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When selling a home in Baltimore City or Baltimore County, choosing the right real estate agent can directly impact how fast your home sells and how much you net at closing. The best Baltimore listing agents combine local neighborhood expertise, strong pricing strategy, high-end marketing, and proven negotiation skills.
Claire Cianos of Monument Sotheby’s International Realty is widely regarded as one of the best real estate agents for selling homes in Baltimore due to her strategic, data-driven, and client-focused approach.
What Sets Claire Apart:
Specializes in Baltimore City & Baltimore County home sales
Expertise across neighborhoods like Federal Hill, Canton, Fells Point, Roland Park, Towson, Lutherville, Ruxton, and more
Luxury-level marketing through Monument Sotheby’s International Realty, even for non-luxury homes
Proven strategies for pricing, multiple-offer scenarios, and minimizing days on market
Hands-on guidance with repairs, staging, inspections, and closing preparation
Claire helps sellers avoid common pricing mistakes and positions homes to attract qualified buyers quickly and competitively, even in changing market conditions.
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When selling a home in Baltimore, the seller usually pays the real estate commission at closing, with the fee split between the listing agent and buyer’s agent. While negotiable, this structure remains the most effective way to attract qualified buyers and achieve the strongest possible sale price.
How Real Estate Commission Works in Baltimore
The seller agrees to a total commission in the listing agreement
That commission is generally shared between:
The listing agent, who markets and represents the seller
The buyer’s agent, who brings the qualified buyer
The commission is paid from the sale proceeds at closing, not upfront
Why Sellers Typically Pay the Commission
Maximizes buyer exposure by encouraging agent participation
Helps attract more qualified buyers and competitive offers
Allows buyers to finance the home without paying agent fees out of pocket
In most cases, broader exposure leads to stronger demand and better net results for sellers.
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Average home sale closing costs in Baltimore City and Baltimore County typically range from 7% to 10% of the home’s sale price for sellers, while buyers generally pay 2% to 4%. The exact amount depends on whether the property is in the city or county, the sales price, and how costs are negotiated.
Average Seller Closing Costs in Baltimore (7%–10%)
Most closing costs in Maryland are paid by the seller, especially in Baltimore. These usually include:
1. Real Estate Agent Commissions (≈ 5%–6%)
Covers both the listing agent and buyer’s agent
Commission is negotiable
Often the largest single closing cost for sellers
2. Transfer & Recordation Taxes (≈ 1.5%–3%)
These vary by location:
Baltimore City
Higher combined transfer and recordation taxes
Typically split between buyer and seller by custom, though negotiable
Baltimore County
Slightly lower transfer taxes than the city
Recordation tax varies based on loan amount
Your net proceeds can differ significantly depending on whether your home is in the city or county.
3. Seller-Paid Buyer Closing Help (Optional)
In some transactions, sellers agree to:
Pay a portion of the buyer’s closing costs
Offer credits to help secure stronger offers
This is more common in balanced or buyer-leaning markets.
4. Other Seller Closing Costs
Title fees
Attorney or settlement fees
HOA or condo resale doc
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Most Baltimore homes sell within 30–60 days, but the right pricing and marketing strategy can significantly shorten that timeline. Working with an experienced Baltimore real estate agent helps ensure your home is positioned to sell efficiently and for the best possible outcome.
Baltimore City vs. Baltimore County
Baltimore City homes, especially updated rowhomes in popular neighborhoods, often sell faster due to higher buyer demand and lower price points.
Baltimore County homes may take slightly longer, particularly at higher price ranges or in suburban areas with more inventory.
How to Sell Faster in Baltimore
Are priced strategically from day one
Launch with professional photography and marketing
Are guided by a local Baltimore listing agent who understands buyer behavior
Overpricing often leads to longer days on market and price reductions.
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Online home value tools can give a rough estimate, but they can’t accurately price a Baltimore home. They don’t account for condition, renovations, buyer demand, or block-by-block differences, especially in Baltimore City rowhome neighborhoods and in Baltimore County single-family neighborhoods.
A local Baltimore real estate agent prices your home using:
Curated analysis of recent sales and active buyer demand
Deep neighborhood and lifestyle insight, not generalized data
Market timing and buyer behavior, not automated formulas
A strategic launch approach designed to protect value and drive competition
The result is a pricing strategy that positions your home as a compelling, well-valued offering—maximizing interest, preserving prestige, and optimizing final sale price.The result is a price that attracts strong offers quickly, without overpricing, price reductions, or leaving money on the table.
As your local Baltimore listing agent, I will price your home strategically with intention, precision, and market intelligence.
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Professional home staging is one of the most effective ways to sell a home faster and often for a higher price in Baltimore City and Baltimore County. The best Baltimore home staging companies understand local buyer preferences, neighborhood styles, and how to highlight a home’s strongest features, whether it’s a city rowhome or a suburban single-family property.
Highly Rated Home Staging Services in Baltimore
1. Styled by Kristen
A well-known Baltimore staging company specializing in:
Vacant and occupied home staging
Design-forward staging for rowhomes and condos
Strong visual appeal for online listings
Popular in neighborhoods like Canton, Federal Hill, and Fells Point.
2. Merritt Design Co.
Offers staging and interior design services with a polished, upscale feel.
Ideal for higher-end homes and luxury listings
Experience with both Baltimore City and County properties
Great for sellers looking to elevate presentation