Financing a Baltimore Rental Without an Annapolis Year 2026

DSCR on Baltimore $17,408. Do not mint an Annapolis year for the note.

Typical Baltimore listings earned about $17,408 last year from 1,413 active rentals, AirROI trailing twelve months from August 2025 through July 2026. The average night was $159. Occupancy was 38.8 percent. Revenue per available night was $63. Year over year is minus 3.7 percent. Active supply moved plus 13.8 percent. A prior hub brief printed $17,648 on about 1,460 listings in an older window. This pass uses the current extract.

The three strongest city months are May, August, and October. May is the busiest. February is the slowest. Occupancy is weakest in July. Most guests arrive from New York, then Baltimore. Stay is 7.6 nights, booked about 38 days ahead. Call Baltimore DHCD Property Licensing at 410-396-3575. 417 E. Fayette Street. DHCD main is 443-984-5757. The city's STR license is $200 per dwelling unit, biennial. A person may only be issued a license for his or her permanent residence, with a narrow additional-unit path. Confirm 2026. Do not mix Baltimore County fees into this city file. AirROI's high-regulation label is a scrape of listings, not the town file. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial.

DSCR on $17,408

DSCR on $17,408. Do not mint an Annapolis year for the note. Write this heading as the stay a host can actually file. Write the city or the satellite the guest typed. Harbor Getaways is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point.

Do Not Mint an Annapolis Year for the Note

Do not mint an Annapolis year. This pass did not print an Annapolis AirROI extract. Write this heading as the stay a host can actually file. Keep $17,408 on 1,413 city listings on its own line. Market a Baltimore Stay is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial.

Two Halls Sit With Two Deeds

Two halls sit with two deeds. Call Baltimore DHCD Property Licensing at 410-396-3575. 417 E. Fayette Street. DHCD main is 443-984-5757. The city's STR license is $200 per dwelling unit, biennial. A person may only be issued a license for his or her permanent residence, with a narrow additional-unit path. Confirm 2026. Do not mix Baltimore County fees into this city file. AirROI's high-regulation label is a scrape of listings, not the town file. Write this heading as the stay a host can actually file. May is the city peak. February is the city hole. Baltimore STR Rules is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial.

Year Over Year Is Minus 3.7 Percent

Year over year is minus 3.7 percent. Write this heading as the stay a host can actually file. Call 410-396-3575 before you advertise a Baltimore stay. Baltimore Shoulder is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor.

Visitor Spend Is Not Debt Service

Visitor spend is not debt service. Write this heading as the stay a host can actually file. The city's STR license is $200 biennial. Baltimore Remote Stays is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor.

404 Thirty-Night Settings Are Not Filled February

404 listings on a 30-night minimum are not filled February. Write this heading as the stay a host can actually file. Annapolis is not Fells Point. DIY vs Hire in Baltimore is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point.

Stay Is 7.6 Nights on This Sample

Stay is 7.6 nights on this sample. Lead is 38 days. Write this heading as the stay a host can actually file. Towson is not the Inner Harbor. Who Books Baltimore is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point.

What a Lender Packet Should Carry

What a lender packet should carry is $17,408, the $200 license, and unlabeled satellite files rather than invented years. Write this heading as the stay a host can actually file. We market. We do not take the lock. Buying a Baltimore Rental is already live on Crest and Cove. Use it. Do not paste a satellite year into a city tile. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial. Annapolis is not Fells Point. Towson is not the Inner Harbor. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial.

Hosts who underwrite harbor stays should keep $17,408 on 1,413 city listings, call 410-396-3575, and leave Annapolis and Towson on their own lines. We market. We do not take the lock. Write the city or the satellite the guest typed. Keep $17,408 on 1,413 city listings on its own line. May is the city peak. February is the city hole. Call 410-396-3575 before you advertise a Baltimore stay. The city's STR license is $200 biennial.

Frequently Asked Questions

How much did typical Baltimore listings earn last year?

Typical Baltimore listings earned about $17,408 last year from 1,413 active rentals, per AirROI's trailing twelve months through July 2026. The average night was $159, with occupancy at 38.8 percent and revenue per available night around $63. Revenue moved down about 3.7 percent year over year, while active supply grew about 13.8 percent. Keep this city figure separate from Annapolis or Towson data — those are different markets.

When is Baltimore's strongest month?

May is the busiest revenue month, with August and October rounding out the three strongest months. February is the slowest month, and occupancy runs weakest in July. Build a pricing calendar around the city's own pattern rather than a generic Chesapeake-region assumption.

Do I need a Baltimore STR permit in 2026?

Yes — contact Baltimore's DHCD Property Licensing office at 410-396-3575 (417 E. Fayette Street; DHCD main line 443-984-5757) to confirm current requirements. The city's STR license runs $200 per dwelling unit on a biennial basis, and it's generally limited to a host's permanent residence, with a narrow path for an additional unit. Confirm your specific situation for 2026 directly with the city, and don't confuse city fees with Baltimore County's separate fee structure.

Is a 30-night minimum-stay rule the same thing as occupancy?

No. About 404 listings — 28.6 percent of Baltimore's 1,413 active rentals — use a 30-night minimum-stay requirement, which is a booking policy, not a measure of how full a calendar runs. The typical stay length here is still 7.6 nights, with roughly 38 days of booking lead time.

Should I hire a property manager in Baltimore?

Baltimore's professionally managed share sits at about 4.5 percent, with Evolve holding 19 listings in this data set. That's a modest managed share compared to some markets, so it's worth weighing against your own bandwidth and how hands-on you want to be with a 7.6-night average stay.

Who books a Baltimore stay?

Most guests arrive from New York, followed by other parts of Maryland. The typical stay runs 7.6 nights, booked about 38 days ahead. Urban guests are typically looking for Fells Point and the Inner Harbor specifically, which is worth reflecting in listing copy and photography.

Can Annapolis's or Towson's numbers be used as Baltimore's year?

No. Baltimore's $17,408 average across 1,413 listings is specific to the city; Annapolis and Towson are separate markets with their own demand patterns and should be tracked on their own lines rather than blended into a Baltimore city figure.

What should a buyer or lender packet cite for Baltimore?

Cite the $17,408 revenue figure across 1,413 listings, the 13.8 percent supply growth and 3.7 percent year-over-year revenue decline, and the $200 biennial STR license fee confirmed with DHCD at 410-396-3575. Keep Annapolis and Towson figures separate and clearly labeled rather than blended into the Baltimore number.

Related Reading

More PLACE, STATE reading already live on Crest & Cove.

• Buying a Baltimore Rental: Cite $17,408, Keep Satellites Separate

• Harbor Getaways: Baltimore $17,408, Satellites Separate 2026

• Baltimore STR Rules: Confirm the $200 License Before You List

Work with Crest & Cove Creative

Baltimore city listings often get priced off a blended Chesapeake average that folds in Annapolis and Towson — two markets with completely different guest demand and booking patterns.

Want your Baltimore listing marketed against the city's actual $17,408 revenue benchmark instead of a regional blend?

Reach out at crestcove.co or (256) 998-7502.