Baltimore - MD vs Kansas City - MO: 2026 Housing Comparison

What this means for buyers

Baltimore - MD is roughly 22% more expensive than Kansas City - MO in typical home value.

Baltimore vs Kansas City: what the numbers say

At today's 7.32% average 30-year rate with 20% down, the typical home would cost about $2,181 a month in principal and interest in Baltimore and $1,785 in Kansas City, a gap of $396 a month.

Typical rent runs $1,937 in Baltimore and $1,534 in Kansas City, so the mortgage payment alone is 1.1 times rent in Baltimore and 1.2 times rent in Kansas City, before taxes and insurance.

Home prices are 17.1 years of rent in Baltimore and 17.6 in Kansas City; the lower ratio in Baltimore means buying there is cheaper relative to renting.

Over the last 23 months typical values moved +2.2% in Baltimore and +6.0% in Kansas City; over just the last three months the change was -0.1% in Baltimore and +1.1% in Kansas City.

Homes sell for 100.1% of list price in Baltimore and 100.1% in Kansas City, after 16 and 11 days on the market, with price cuts on 30% and 32% of listings. The signs are mixed: Baltimore has longer time on the market, while Kansas City has more price cuts.

The number of homes for sale is up 11% on a year ago in Baltimore and up 1% on a year ago in Kansas City.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-22), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.