Harford County, Maryland home prices
Typical home $414,044 · +0.9% in a year · property tax 0.89%
The typical home in Harford County is worth $414,044, 3% less than the Maryland typical home ($424,890). Values changed +0.9% in the past year and +17.2% over five years. Homeowners here pay a median 0.89% of their home's value in property tax each year ($3,695 on the typical home), versus 0.98% statewide.
Mortgage on the typical Harford County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,809 | $331,235 | $2,228 | $0 | $515 | $2,743 | $117,600 |
| 10% down | $41,404 | $372,640 | $2,507 | $155 | $515 | $3,177 | $136,200 |
| 5% down | $20,702 | $393,342 | $2,646 | $164 | $515 | $3,325 | $142,500 |
| 3.5% down (FHA) | $14,492 | $406,545 | $2,735 | $183 | $515 | $3,433 | $147,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.89% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Maryland · part of the Baltimore metro area.
Maryland counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Prince Georges County | $421,250 | -1.2% | 1.12% |
| Worcester County | $422,876 | -0.7% | 0.73% |
| Saint Marys County | $431,391 | +2.7% | 0.84% |
| Charles County | $442,448 | -1.4% | 1.01% |
| Kent County | $383,742 | +2.6% | 0.91% |
| Cecil County | $383,362 | +1.4% | 0.89% |
| Baltimore County | $358,090 | +0.4% | 1.07% |
| Calvert County | $480,115 | +1.0% | 0.84% |
| Talbot County | $484,929 | -0.1% | 0.65% |
| Carroll County | $486,857 | +0.8% | 0.91% |
Frequently asked questions
What is the average home price in Harford County, MD?
The typical home value in Harford County is $414,044 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harford County?
About $117,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harford County?
The median effective rate is 0.89% of home value a year (Census ACS 2024 5-year estimates).