Harford County, Maryland: commercial real estate data.
Harford County, Maryland has a population of 263,757 across 437 square miles, up 1.8 percent since the 2020 census base. County output reached $17.91 bn in 2024, 5,636 establishments operate here, and the SBA record carries 288 7(a) approvals worth $105.3 m.
123 sourced county values · tier FULL · 11 sections
Harford County
How many people live in Harford County
- Population263,757
- Households101,795
- Average household size2.59
- Median household income$112,265
- Median age40.5
- Median gross rent$1,586 per month
- Median owner-occupied home value$386,400
- Home value to household income3.4 times
- Annual rent as a share of median income17.0 percent
- Adults 25 and over with a bachelor degree or higher40.3 percent
- Adults 25 and over with a graduate degree17.0 percent
- Adults 25 and over185,051
- Population under 1858,777
- Share under 1822.3 percent
- Population 65 and over46,016
- Share 65 and over17.4 percent
- Working age population, 18 to 64158,964
- Civilian labor force141,590
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over69.1 percent
- Rank by population among Maryland counties8th of 24
- Rank by population among US county-equivalents275th
Harford County is the 8th largest of 24 Maryland counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.3 percent against 17.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Harford County
Is Harford County growing
- Population change since the 2020 census base1.76 percent
- Census 2020 base population260,932
- Births, 20242,595
- Deaths, 20242,448
- Natural change, 2024147
- Net domestic migration, 2024250
- Net international migration, 2024360
- Total net migration, 2024610
- Cumulative net domestic migration, 2021 to 20243,211
- Rank by growth among US county-equivalents1257th
The county has grown 1.76 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Harford County
Where people moving to Harford County come from
- Tax returns filed by households arriving6,656
- People arriving, from those returns12,055
- Adjusted gross income arriving$488.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$73,369
- Largest single originHarford County Non-migrants (103,788 households)
- Largest single destination (103,788 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Harford County Non-migrants | 103,788 | 210,412 | $10.53 bn |
| Baltimore County | 2,188 | 4,098 | $166.4 m |
| Other flows - Different State | 1,854 | 3,357 | $137.6 m |
| Other flows - South | 921 | 1,664 | $62.8 m |
| Baltimore city | 685 | 1,253 | $45.8 m |
| Other flows - Northeast | 487 | 828 | $39.3 m |
| Cecil County | 351 | 616 | $20.5 m |
| Anne Arundel County | 287 | 541 | $21.6 m |
The largest single source of arrivals is Harford County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Harford County
What the Harford County economy runs on
- County GDP, 2024$17.91 bn
- County GDP, 2023$17.06 bn
- GDP change, 2023 to 20245.0 percent
- GDP change over five years29.0 percent
- Rank by GDP among Maryland counties8th
- Rank by GDP among US county-equivalents287th
- GDP per resident$67,887
Output grew 5.0 percent in the latest year and 29.0 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Harford County
Who employs people in Harford County
- Covered employment, annual average95,188
- Establishments reporting6,155
- Average annual pay$68,533
- Average weekly wage$1,318
- Sector 44-45, employment11,938
- Sector 44-45, average annual pay$39,313
- Sector 62, employment11,265
- Sector 62, average annual pay$59,933
- Sector 72, employment8,114
- Sector 72, average annual pay$25,013
- Sector 54, employment8,107
- Sector 54, average annual pay$110,013
- Sector 23, employment6,348
- Sector 48-49, employment5,536
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 11,938 | 663 | $39,313 |
| Sector 62 | 11,265 | 690 | $59,933 |
| Sector 72 | 8,114 | 424 | $25,013 |
| Sector 54 | 8,107 | 939 | $110,013 |
| Sector 23 | 6,348 | 780 | $73,956 |
| Sector 48-49 | 5,536 | 197 | $51,110 |
| Sector 31-33 | 4,840 | 178 | $78,526 |
| Sector 56 | 4,663 | 414 | $51,213 |
The largest sector is the biggest private employer group at 11,938 jobs, 12.5 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Harford County
What businesses operate in Harford County
- Establishments, all industries5,636
- Employment at those establishments79,488
- Annual payroll$4.39 bn
- Establishments per 1,000 residents21.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Harford County
What is being built in Harford County
- Housing units authorised by permit, 2024803
- Declared construction value permitted$186.1 m
- Single family units authorised777
- Multifamily units authorised26
- Multifamily share of units3.2 percent
- Average declared value per unit$231,768
- Units authorised per 1,000 households7.9
Multifamily is 3.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Harford County
How much SBA lending happens in Harford County
- 7(a) approvals recorded288
- 7(a) gross approval dollars$105.3 m
- Average 7(a) approval$365,593
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$1,044,300
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,582
- Jobs per approval9.0
- Distinct 7(a) lenders active50
- Distinct industries receiving approvals133
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer5.2 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter253
- Franchise loans34
- Franchise share of approvals11.8 percent
- Leading industry by approval countFull-Service Restaurants (18)
- Most active lenderManufacturers and Traders Trust Company (155)
- 504 approvals recorded37
- 504 gross approval dollars$33.1 m
- Average 504 approval$894,703
- Median 504 approval$564,000
- Distinct CDCs active4
- 504 jobs per approval10.5
- 504 jobs per million dollars approved11.7
- Most active CDCBusiness Finance Group, Inc. (28)
- 7(a) share of SBA approvals88.6 percent
- Combined SBA approval dollars$138.4 m
The average approval of $365,593 sits well above the median of $100,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 5.2 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Harford County
Do SBA loans in Harford County get paid back
- Loans with a final outcome recorded47
- Paid in full39
- Charged off8
- Charge off rate on resolved loans17.0 percent
- Status: Paid in full39
- Status: Cancelled45
- Status: Exempt from disclosure184
- Status: Charged off8
- Status: Committed, not yet disbursed12
Of the 47 loans that have reached a final outcome, 17.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harford County
Which parts of Harford County get the lending
- Places in the county with recorded lending19
- BEL AIR, approvals87
- Abingdon, approvals31
- FOREST HILL, approvals28
- ABERDEEN, approvals27
- HAVRE DE GRACE, approvals26
- EDGEWOOD, approvals26
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BEL AIR | 87 | $26,359,600 |
| Abingdon | 31 | $4,945,800 |
| FOREST HILL | 28 | $8,968,200 |
| ABERDEEN | 27 | $6,996,300 |
| HAVRE DE GRACE | 26 | $10,608,900 |
| EDGEWOOD | 26 | $9,267,700 |
| Joppa | 16 | $12,413,900 |
| Pylesville | 8 | $2,231,600 |
BEL AIR accounts for 87 approvals against 31 in Abingdon. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harford County
How big is Harford County
- Land area437 sq mi
- Rank by land area among Maryland counties11th of 24
- Width, east to west27.2 mi
- Height, north to south28.9 mi
- Geographies sharing a boundary2
- Residents per square mile of land604
- Establishments per square mile12.90
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Harford County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Harford County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population263,757
- Households101,795
- Average household size2.59
- Median household income$112,265
- Median age40.5
Common questions
Harford County questions, answered from the record.
How many people live in Harford County, Maryland?
263,757, in 101,795 households, ranking 8th of 24 Maryland counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Harford County growing?
The population has grown 1.76 percent since the 2020 census base. In 2024 there were 2,595 births against 2,448 deaths, with net migration of 610. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Harford County?
$112,265. The median owner-occupied home is valued at $386,400, which is 3.4 times income, and median gross rent is $1,586 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Harford County?
5,636 establishments, employing 79,488 people with an annual payroll of $4.39 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Harford County?
Average annual pay is $68,533, or $1,318 a week, across 95,188 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Harford County?
288 7(a) approvals totalling $105.3 m since FY2020, across 50 lenders, with a median approval of $100,000, plus 37 504 approvals worth $33.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Harford County get paid back?
Of the 47 loans that have reached a final outcome, 39 were paid in full and 8 charged off, a charge off rate of 17.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Harford County?
803 housing units were authorised by permit in 2024, with a declared construction value of $186.1 m. Multifamily was 3.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Harford County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Harford County come from?
The largest single origin is Harford County Non-migrants, with 103,788 households. Arriving households report an average income of $73,369 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Harford County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Harford County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.