With a 90k income, homeownership in Maryland might be more challenging, especially in Baltimore. Financial advisors recommend spending about 3 to 4 times your annual income on a home, setting your budget between $270,000 and $360,000.

However, the median home price in Baltimore is approximately $420,000, which exceeds your maximum affordability range. This suggests that the major market may be less accessible at your current income level.

That said, more affordable options may be found in other areas such as Rockville and Frederick, where prices average around $450,000. Maryland has a property tax rate of 1.15%, or roughly $4,830 per year on an average home. Considering a cost of living above the national average, you might need to explore alternative locations or financing strategies to meet your homeownership goals.