County data
Harford County, MD Mortgage Calculator
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- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
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Harford County at a glance
Median home value
$386,400
Property tax rate
0.90%
Maryland: 1.00% · U.S.: 1.05%
Median income
$112,265
Conforming loan limit
$832,750
Typical monthly cost of the median home
Principal and interest
$2,115
$309,120 loan at 7.28%, 30 years
Property tax
$290
0.90% of $386,400 a year
Together
$2,405
before insurance, HOA and PMI
Other large counties in Maryland
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Montgomery County | $640,300 | 0.85% | $3,958 |
| Prince George's County | $426,000 | 1.14% | $2,737 |
| Baltimore County | $349,300 | 1.08% | $2,226 |
| Anne Arundel County | $467,900 | 0.86% | $2,896 |
| Baltimore city | $229,600 | 1.57% | $1,557 |
| Howard County | $597,900 | 1.17% | $3,856 |
| Frederick County | $464,600 | 1.00% | $2,930 |
| Carroll County | $434,000 | 0.92% | $2,708 |
Frequently asked questions
What is the property tax rate in Harford County, MD?
Homeowners with a mortgage in Harford County pay a median of $3,460 a year in property tax on a median home value of $386,400, an effective rate of 0.90%. That is below the Maryland figure of 1.00% and below the U.S. median of 1.05%. It ranks 13 of 24 counties in Maryland for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Harford County?
On a $386,400 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $2,115 a month and property tax about $290, so roughly $2,405 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $112,265 a year, so that payment is about 26% of it.
What is the conforming loan limit in Harford County?
The 2026 one-unit conforming loan limit for Harford County is $832,750. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.