Homes for Sale in Baldwin, MD: A Buyer's Guide (November 2026)

by Josh Tessier

By Josh Tessier, Lee Tessier Team of eXp Realty Published: Nov. 10, 2026 | Updated: Nov. 10, 2026

🌾 On Nov. 9, 2026, Realtor.com showed 18 homes for sale in Baldwin's 21013 ZIP code at $100,000 and up, and Redfin showed 12. Most of them weren't in Harford County: the Baldwin ZIP crosses into Baltimore County, and both Realtor.com and Redfin placed only 6 listings on the Harford side (Realtor.com's 18 included 12 on the Baltimore County side; Redfin's 12 split 6 and 6). Every listing was a single-family house, and the median list price for the whole ZIP was $687,000 on Realtor.com and $680,000 on Redfin (my math).

Baldwin is a small, unincorporated area, so there isn't much for sale at any one time. Here's what was listed, which county each home is in, and why that matters for your tax bill and schools.

📊 Baldwin homes for sale right now

Here's what the two big home search sites showed for ZIP code 21013 (mailing city Baldwin) on Nov. 9, 2026, counting homes listed at $100,000 and up:

	🔎 Realtor.com	🔎 Redfin
Homes for sale, whole ZIP	18	12
Harford County side	6	6
Baltimore County side	12	6
Median list price, whole ZIP (my math)	$687,000	$680,000
Median list price, Harford side (my math)	$637,445	$637,445

Method: Realtor.com and Redfin searches for ZIP 21013, all home types except land, minimum price $100,000, checked about 1:28 p.m. (Realtor.com) and 1:31 p.m. (Redfin) ET. County split: Realtor.com by the county code on each listing; Redfin by the county code in each listing's MLS number, except one listing whose MLS prefix looked Harford but whose county record is Baltimore County (moved to the Baltimore County side). Medians are asking prices, not sale prices.

Why the two sites don't match: Realtor.com's count includes 6 homes already marked pending or contingent, all on the Baltimore County side. Take those out and it's 12 (my math), the same as Redfin. On the Harford side, both sites showed 6 homes that day. Check the county on the SDAT record for any home you like.

On the Harford side, Realtor.com's 6 listings ran from $424,000 to $839,000, and none were under contract. With so few homes, one listing coming or going can move these numbers a lot.

What's selling for? Redfin showed 17 homes sold in 21013 at $100,000 and up with a recorded sale date between Aug. 19 and Nov. 3, 2026, with a median sale price of $789,000. Five of them had Harford County MLS numbers, with a median of $680,700. One source only (Redfin, sold in the last 90 days, checked Nov. 9; medians are my math). Three of the 17 had no MLS number, so I couldn't place them by county.

Price ranges (whole ZIP)

List price	Realtor.com	Redfin
$300,000 to $499,999	2	1
$500,000 to $849,999	12	8
$850,000 and up	4	3

My math from each site's listings, Nov. 9, 2026. Neither site had a 21013 home listed under $300,000 that day, and all four of Realtor.com's listings at $850,000 and up were on the Baltimore County side. Counts change daily.

Browse what's live on my Baldwin neighborhood page.

🧾 Property taxes: Harford or Baltimore County?

Baldwin isn't an incorporated town, so there's no town tax. But the county rate depends on which side of the line the home is on. For July 1, 2026, to June 30, 2027:

Rate per $100 of assessed value	Harford County side	Baltimore County side
County	$0.9779	$1.10
State of Maryland	$0.112	$0.112
Total	$1.0899	$1.212

Sources: SDAT 2026-2027 Tax Rates & Homestead Credit Caps; DLS County and Municipal Real Property Tax Rates, Fiscal 2027. Totals are my math.

🛡️ Homestead cap: if it's your main home and you apply, the Homestead Tax Credit limits taxable county assessment increases to 5% a year in Harford and 4% a year in Baltimore County, and state increases to 10% (SDAT).

Example (my math): a home assessed at $680,700 would owe about $7,419 a year on the Harford side or about $8,250 on the Baltimore County side, before any credits. Look up the exact home on SDAT's Real Property search.

🏫 Schools

The county decides the school system, so check the exact address:

Harford County side: Harford County Public Schools assigns schools by street address. Use the HCPS School and Bus Locator or call HCPS Transportation at 410-638-4092.
Baltimore County side: Baltimore County Public Schools has its own Find Your Zoned School tool.

HCPS's feeder list doesn't group schools by Baldwin, so I'm not naming schools here. More: Harford County schools guide.

🚗 Commute

⏱️ Average commute: the Census Bureau's estimate for workers living in 21013 is 35.1 minutes, but its margin of error is wide (±5.7 minutes), so treat it as rough (American Community Survey 2020-2024 5-year estimate, via Census Reporter).

Compare towns in my Harford County commute times guide.

💧 Private well and septic: ask on every home

Ask early whether the home is on public water and sewer or a private well and septic. If it has a well or septic, get the water tested and the septic system inspected during your inspection period. On the Harford side, the Harford County Health Department handles private wells and septic systems: 410-877-2300. On the Baltimore County side, ask Baltimore County government.

🔑 Buying in Baldwin: my quick checklist

Confirm the county on the SDAT record. It sets your tax rate and your school system.
Set an alert. With only a handful of homes for sale, new listings are worth seeing the day they hit.
Ask about well, septic and lot size on every home.
Check the school assignment in the right county's tool.
Close. In Maryland, a title company handles the closing.

Comparing towns? Read Harford County home prices by ZIP.

Also looking nearby? See homes for sale in Fallston, MD.

Selling a home first? Start with a free price opinion. You'll get an instant automated home value by email, and then I'll call to set up a time to see your home.

🤝 Want help buying in Baldwin?

Tell me your budget, how much land you want and which county you prefer, and I'll set up a Baldwin search and help you check the county, well, septic and school assignment on any home you like.

📞 Call or text (443) 617-2099 📧 Joshua@leetessier.com 📍 Josh Tessier, Lee Tessier Team of eXp Realty, 2225 Old Emmorton Rd Ste 207, Bel Air, MD 21015

❓ FAQs

How many homes are for sale in Baldwin, MD?

On Nov. 9, 2026, Realtor.com showed 18 homes for sale in the 21013 ZIP code at $100,000 and up, and Redfin showed 12. Both sites placed 6 of those listings on the Harford County side (Realtor.com had 12 on the Baltimore County side; Redfin had 6).

Is Baldwin, MD in Harford County or Baltimore County?

Both. The Baldwin ZIP code, 21013, crosses the Harford and Baltimore County line. Check the county on the home's SDAT record, because it sets the tax rate and the school system.

What is the median home price in Baldwin, MD?

On Nov. 9, 2026, the median list price for 21013 homes at $100,000 and up was $687,000 on Realtor.com and $680,000 on Redfin (my math). Redfin showed a median sale price of $789,000 for 17 homes sold Aug. 19 to Nov. 3, 2026.

What is the property tax rate in Baldwin, MD?

For July 2026 to June 2027, it's $1.0899 per $100 of assessed value on the Harford County side and $1.212 on the Baltimore County side, including the $0.112 state rate. Baldwin has no town tax.

What schools serve Baldwin, MD?

It depends on the county and street address. Use the HCPS School and Bus Locator for Harford County addresses and Baltimore County Public Schools' Find Your Zoned School tool for Baltimore County addresses.

Are there homes under $500,000 in Baldwin?

Only a few. On Nov. 9, 2026, Realtor.com had 2 homes in 21013 listed from $300,000 to $499,999 and Redfin had 1. Neither site had a home listed under $300,000.

Do Baldwin homes have wells and septic?

Ask on every home. If it has a private well or septic system, get the water tested and the septic inspected. The Harford County Health Department handles private wells and septic systems on the Harford side (410-877-2300).

Follow along for more Harford County news and real estate tips: YouTube | Instagram | Facebook

About the author: Josh Tessier is a Harford County REALTOR® with the Lee Tessier Team at eXp Realty, based in Bel Air. He has been licensed in real estate since 2011 and has personally sold 600+ homes, and the Lee Tessier Team has sold 5,900+. He lives in Harford County and is raising his family here. Call or text (443) 617-2099.

Listing counts and prices change daily. Figures are from Realtor.com and Redfin on Nov. 9, 2026, cover homes listed or sold at $100,000 and up, and aren't a guarantee of what's available. This post is general information, not legal, tax, inspection or lending advice.