With a 130k income, you're right on target for purchasing a home in Maryland. Financial advisors recommend spending about 3 to 4 times your annual income on a home, which translates to a budget between $390,000 and $520,000.

In Baltimore, the median home price is approximately $420,000, fitting neatly within your target range. This balance ensures a wide variety of quality homes are available to you.

Additionally, other cities like Rockville and Frederick offer appealing options at around $450,000. With a property tax rate of 1.15%—amounting to roughly $4,830 per year—and a cost of living above the national average, your income comfortably supports homeownership across the state.