Harford County, MD Average Home Price (2026)
The average home price in Harford County, Maryland is about $447,000 (the 2026 median across 18 ZIP codes, at ~$210/sq ft) — 1% more expensive than the Maryland median and 55% more expensive than the typical U.S. home.
How Harford County compares
Harford County is relatively expensive for housing nationally: its typical home costs $447,000 against $441,000 for Maryland and $289,000 for the U.S. Within the county, ZIP-level values run from about $247,000 to $563,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Harford County | $447,000 | $210 |
| Maryland | $441,000 | $233 |
| United States | $289,000 | $193 |
Harford County home prices by ZIP code
The 15 most valuable ZIP codes in Harford County (of 18 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 21047 Fallston | $563,000 | $227 | +26% |
| 21161 Whitehall | $562,000 | $337 | +26% |
| 21132 Pylesville | $552,000 | $291 | +23% |
| 21084 Jarrettsville | $545,000 | $215 | +22% |
| 21154 Street | $540,000 | $194 | +21% |
| 21028 Churchville | $537,000 | $194 | +20% |
| 21050 Forest Hill | $500,000 | $215 | +12% |
| 21015 Bel Air | $479,000 | $212 | +7% |
| 21034 Darlington | $449,000 | $208 | +0% |
| 21014 Bel Air | $445,000 | $213 | +0% |
| 21160 Whiteford | $445,000 | $160 | +0% |
| 21078 Havre de Grace | $405,000 | $212 | -9% |
| 21009 Abingdon | $370,000 | $191 | -17% |
| 21085 Joppa | $365,000 | $211 | -18% |
| 21001 Aberdeen | $344,000 | $192 | -23% |
Home value appreciation in Harford County
Home prices in Harford County have risen about 65% over the last 10 years (≈5.1% a year) and +54.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.7% — still rising. A home worth $447,000 today was worth roughly $271,567 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maryland is +59.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Harford County
Run the numbers for Harford County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Harford County
To buy the typical $447,000 home in Harford County with 20% down, you need a household income of roughly $122,000 a year (about $2,840 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $144,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $22,400 | $3,530/mo | $151,000/yr |
| 10% (+PMI) | $44,700 | $3,370/mo | $144,000/yr |
| 20% | $89,400 | $2,840/mo | $122,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Harford County
At about $210 per square foot, here is roughly how much home different budgets get you in Harford County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1430 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1900 sq ft | around the typical home here |
| $500k | 2380 sq ft | around the typical home here |
| $600k | 2860 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maryland.
Estimate a specific home in Harford County
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Harford County home prices: frequently asked
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Browse all Maryland cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.