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Baltimore-Columbia-Towson, MD

Cost of living in Harford County, MD

Part of the Baltimore Metro Area

Estimated monthly cost
$4,090/mo
for a single person, all categories combined

Population 262,509 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,604 39%
Federal tax $813 20%
Healthcare $480 12%
Groceries $382 9%
Transport $320 8%
State tax $232 6%
Energy $204 5%
Water $55 1%

Rent in Harford County

Fair Market Rents by bedroom count.

Studio
$1,407
per month
1 bedroom
$1,604
per month
2 bedroom
$1,965
per month
3 bedroom
$2,529
per month
4 bedroom
$2,826
per month

Source: HUD FMR FY2025

Income and earnings in Harford County

Annual earnings figures from the Census ACS.

Household income
$111,317
per year
Individual earnings
$59,753
per year
Per capita
$50,861
per year

Source: ACS 2019-2023 5-Year.

Home values in Harford County

Average values reported by homeowners.

Average home value
$367,300
Annual property tax
$3,424

Source: ACS 2019-2023 5-Year

Energy costs in Harford County

Estimated monthly electricity and gas costs.

Electricity
$150
per month · 16.7¢/kWh
Natural gas
$54
per month
Annual total
$2,448
per year

Source: EIA

Healthcare in Harford County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.7%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Harford County

State and local tax rates for Maryland.

State income tax
5.8%
Top marginal rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Harford County

Commute patterns and estimated costs.

Average commute
32.1 min
Drive alone
76.1%
Public transit
0.9%
Work from home
13.4%

Source: ACS

Monthly cost estimates for Harford County

What it costs to live in Harford County each month.

Single person
$4,090
per month
  • Rent $1,604
  • Energy $204
  • Water $55
  • Groceries $382
  • Transport $320
  • Healthcare $480
  • Federal tax $813
  • State tax $232
Couple
$6,123
per month
  • Rent $1,965
  • Energy $245
  • Water $65
  • Groceries $633
  • Transport $420
  • Healthcare $864
  • Federal tax $1,492
  • State tax $439
Family
$8,871
per month
  • Rent $2,529
  • Energy $306
  • Water $75
  • Groceries $960
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,492
  • State tax $439

Frequently asked questions about Harford County

Common questions about cost of living, rent and salary.

What is the average rent in Harford County?

In Harford County, MD, a one-bedroom apartment averages $1,604 per month, a two-bedroom averages $1,965 per month, a three-bedroom averages $2,529 per month, according to HUD Fair Market Rent data.

What is the average salary in Harford County?

In Harford County, MD, the average household income is $111,317 per year and individual earnings for full-time workers average $59,753 per year, according to U.S. Census Bureau data.

What is the cost of living in Harford County?

The estimated cost of living in Harford County, MD is approximately $4,090 per month for a single person, $6,123 for a couple, $8,871 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Harford County?

The combined sales tax rate in Harford County, MD is 6.00%, which includes the Maryland state rate of 6.00% plus an average local rate of 0.00%.

Is Harford County an affordable place to live?

Based on the data, a single person in Harford County, MD would need approximately $4,090 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $111,317 per year ($9,276 per month). Harford County is relatively affordable compared to the national average.

How much does healthcare cost in Harford County?

The ACA marketplace benchmark premium in Harford County, MD is approximately $480 per month for an individual. Approximately 3.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Harford County?

The average home value in Harford County, MD is $367,300, with average annual property taxes of $3,424, according to U.S. Census Bureau data.

How does Harford County compare to other areas?

You can compare Harford County, MD with any other US county using our comparison tool at /compare. Harford County is in the Baltimore-Columbia-Towson, MD metro area.

Other counties in Maryland

Browse the full list of counties in Maryland, ranked by cost of living.

See all counties in Maryland

Compare Harford County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources