Harford County, Maryland: What It Costs to Buy a Home
The median home in Harford County is worth $367,300, property taxes on it run about $3,424 a year (0.93%), the FHA loan limit is $747,500, and closing on it means about $7,934 in transfer tax plus $2,248 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $367,300 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,424 a year, 0.93% of value | Property tax page → |
| FHA loan limit (1 unit) | $747,500 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $7,934 (incl. Harford County recordation tax and Harford County transfer tax) | Maryland transfer tax page → |
| Title insurance on the median home | $1,898 owner's + $350 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $175 | Recording fees page → |
| Closing costs from these items | $10,357 | Closing costs page → |
| Area median income (HUD, family of 4) | $134,000; low-income limit $106,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Harford County?
The median owner-occupied home in Harford County is valued at $367,300, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Harford County?
The median Harford County homeowner pays $3,424 a year in real estate taxes, about 0.93% of the median home value ($3,429 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Harford County?
$747,500 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Harford County?
On the $367,300 median home: transfer tax $7,934, title insurance $2,248 for both policies, recording fees about $175, about $10,357 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Harford County?
HUD's FY 2026 median family income for Harford County (Baltimore-Columbia-Towson, MD MSA) is $134,000. A family of four counts as low income below $106,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Maryland counties
- Dorchester County $252,300
- Frederick County $437,700
- Garrett County $217,000
- Howard County $576,700
- Kent County $307,100
- Montgomery County $640,300
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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