Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$414,044+0.9% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 25% have cut their price
Income needed to buy, per year$89,756About 0.8× the local median income ($110,665): affordable for a typical household
Days on market44 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.6%Zillow expects prices to rise slightly
The typical home in Harford County, MD is worth $414,044, up 0.9% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $429,731, so the area is 3.7% undervalued. It is a buyer's market: homes take about 44 days to sell, listings are up 29% from a year ago, 25% of listings have had a price cut. Zillow expects prices to rise about 0.6% over the next year. A household needs about $89,756 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $110,665. Typical rent is $1,896 a month, or $2,451 for a house. In the latest IRS figures, 509 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$414,044
Change in 1 year
+0.9%
Overvalued %
−3.7%
Show 7 more
Fair home value
$429,731
Change in 5 years
+17.2%
Zillow forecast, next 12 months
+0.6%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$2,244
Income needed to afford it
$89,756
Property tax rate
0.89%
Rent and investing
Typical rent
$1,896
Typical rent for houses
$2,451
Price-to-rent ratio
18.2×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$2,006
Gross rental yield
5.49%
Cap rate (estimate)
3.57%
Market activity
Listings vs a year ago
+28.6%
Days on market
44
Listings with a price cut
24.7%
Show 3 more
Homes for sale
684
Pending sales per 100 listings
39
Asking price per sq ft
$204
People and jobs
Median household income
$110,665
Population change (1 year)
+0.3%
Unemployment rate
3.8%
Show 4 more
Population
266,446
Income adjusted for cost of living
$105,900
Net moves in (IRS)
+509
Cost of living (US = 100)
104.5
Schools, risk and environment
School rating (1 to 10)
6.8
FEMA hazard risk score (0 to 100)
72.5
Unhealthy air days a year
3
Show 4 more
Flood risk score
78.4
Wildfire risk score
19.0
Walkability (1 to 20)
8.8
Road, rail and air noise
54 dB
Questions people ask
Is Harford County, MD overvalued?
Home prices in Harford County, MD are slightly below what local incomes have historically supported: fair value is about $429,731, so the area is 3.7% undervalued.
Is Harford County, MD a buyer's or seller's market?
Harford County, MD is a buyer's market: homes take about 44 days to sell, listings are up 29% from a year ago, 25% of listings have had a price cut.
Are home prices going down in Harford County, MD?
Home values in Harford County, MD are up 0.9% over the last year. Zillow's forecast for the next 12 months is +0.6%.
How much do you need to earn to buy a home in Harford County, MD?
A household needs about $89,756 a year to afford the typical home in Harford County, MD at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $110,665.