Harford County, Maryland has a 2026 one-unit conforming loan limit of $832,750, which is 2.2 times the county's median home value of $386,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $112,265 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $386,400 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 2.16× |
| Median household income | $112,265 |
| Median home value ÷ income | 3.4× |
| Population | 263,757 |
| Median property tax paid (owners) | $3,448 |
| Effective property tax rate (approx.) | 0.89% |
| Owner-occupied homes | 79.7% |
| Home value rank in Maryland | 12 of 24 counties |
| Neighbor: Baltimore County, MD | limit $832,750; median home $349,300 |
| Neighbor: Cecil County, MD | limit $832,750; median home $343,400 |
| Neighbor: Kent County, MD | limit $832,750; median home $330,900 |
| Neighbor: Lancaster County, PA | limit $832,750; median home $301,100 |
| Neighbor: York County, PA | limit $832,750; median home $248,600 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Harford County's median home value is 8% below the state median of $419,900 (rank 12 of 24). Among its 5 neighboring counties, Baltimore County has the highest median home value ($349,300) and York County the lowest ($248,600); all share the same loan limit. Owners pay a median $3,448 a year in property tax, an effective rate of about 0.89% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.