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Maryland Rental Yield Calculator

Calculate rental yield using Maryland market data. Gross yield uses total rent before expenses; net yield subtracts operating costs — the number that actually matters.

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Property & Income

Operating Expenses(Maryland defaults)

Total Annual Expenses$12,607

Gross vs. Net Rental Yield

Gross rental yield is the simplest comparison metric: annual rent divided by total property cost. It's useful for quick screening but doesn't account for the real cost of ownership.

Net rental yield subtracts operating expenses (taxes, insurance, maintenance, management, vacancy) from income before dividing by cost. This tells you what the property actually earns as a percentage of your investment.

The gap between gross and net reveals your expense ratio — how much of your gross income gets consumed by costs. A tight ratio means more money in your pocket; a wide one means the property is expensive to hold.

Maryland Market Context

Avg Cap Rate

5.5%

Median Price

$415K

Property Tax

0.9%

Vacancy Rate

5.7%

Local Factors

  • -Proximity to DC provides strong government and defense contractor rental demand
  • -Baltimore offers affordable investment opportunities but with higher management intensity
  • -Tenant-friendly laws require careful lease structuring

Net Rental Yield

2.3%

Low

Gross Rental Yield

5.3%

Annual Gross Income$22,464
Annual Net Income$9,857
Total Investment$427,450
Total Expenses$12,607
Expense Ratio56.1%
Monthly Net Income$821
NET YIELD2.3%
Net Income$9,857
Property Tax$3,735
Insurance$1,645
Maintenance$4,150
Management$1,797
Vacancy$1,280
Other$0

What does this mean?

A net yield below 3% is typical in high-demand markets where appreciation drives returns more than cash flow. You're betting on the asset growing in value.