Harford County, MD: Foreclosures, Tax Liens & Distressed Properties

Harford County, MD, Maryland: 24 ZIP codes scored, Harford County, MD averaging 24/100 (low, Harford, MD), from 22 to 24. Harford County, MD is in its peak phase (Harford, MD confidence 21/100): Harford, MD home prices up 2.2% (Harford, MD) over twelve months. Harford County, MD lender headwind: 42/100.

Highest-scoring Harford County, MD ZIPs: 21001 (24/100), 21005 (24/100), 21009 (24/100), 21010 (24/100), 21014 (24/100), 21015 (24/100). Also scored in Harford County, MD: 21017, 21028, 21034, 21040, 21047, 21050, 21078, 21084, 21085, 21130.

Across Harford County, MD's scored ZIPs: median home value $434,395, household income $114,499, 8.3% vacancy, 8.5% poverty, 76% owner-occupied, median age 41.7.

Harford County, MD insurance distress 28/100 (#1,660 in the US); FEMA hazard 0/100 for Harford, MD; 2 federal disaster declarations in Harford County, MD since 2023; 16 Harford, MD NFIP flood claims, $372K paid; Harford, MD construction distress 63/100.

13 banks with 43 branches lend in Harford County, MD; Harford, MD weighted bank stress 62/100, highest 81/100 in Harford, MD.

Harford County, MD unemployment 3.6% (Harford, MD -0.8 pts, six months); 858 new housing units permitted in Harford County, MD over twelve months, Harford, MD down 16% from 1,017; Harford, MD home prices +8.6% a year (Harford, MD) over three years.

105,468 housing units in Harford County, MD; 20,344 Harford, MD renter households; 45% of Harford, MD renters spend 30%+ of income on rent, 22% (Harford, MD) half or more.

Harford County, MD ranks #2,771 nationally on the opportunity index (Harford, MD, among all ranked counties); Harford, MD scores 24.6/100 and Harford, MD sits #19 inside Maryland. Harford, MD is in the weak opportunity phase; Harford, MD's primary driver is construction, Harford, MD second driver bank institutional; Harford, MD moved up 161 places. 47 short-sale listings across Harford, MD; 87 days on market observed in Harford, MD; 3.9% vacancy over 24 Harford, MD ZIPs.

0.8% of Harford County, MD mortgages were ninety-plus days late in December 2025; Harford, MD's thirty-to-eighty-nine-day share was 2.4% (CFPB county sample). Harford, MD's ninety-day rate is down 0.1 points on twelve months earlier; the Harford, MD peak since 2008 was 4.5% in November 2011; Maryland overall reads 1.1%.

Harford County, MD has 4 watched banks; 4 Harford, MD banks sit in an elevated band. Harford, MD footprints: Harford Bank (7 branches, stress 70) in Harford, MD; Rosedale Bank (3 branches, stress 54) in Harford, MD; Jarrettsville Fs&La (1 branch, stress 81) in Harford, MD.

HUD lists 25 assisted multifamily properties in Harford County, MD with 3,367 units; 1,201 Harford, MD units are assisted, 9 Harford, MD properties under project-based Section 8.

3,673 of the 105,468 housing units in Harford, MD sit vacant. Harford County, MD permitted 77 multifamily units in twelve months; Harford, MD's one-to-four unit structures added 781 units in Harford County, MD.