MD mortgage rates

Harford County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Harford County, Maryland. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Harford County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$747,500
2 units$956,950
3 units$1,156,700
4 units$1,437,500

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Harford County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Harford

A local view of the market.

Harford County, Maryland's real estate market is experiencing a modest upward trend, with the median listing home price reaching $410,000 as of October 2024, reflecting a 2.5% increase year-over-year. Homes in the county typically sell for around $390,000, indicating a competitive market where properties are often sold at or near the asking price. The county is home to several prominent cities, including Bel Air, Aberdeen, and Havre de Grace. Bel Air, the county seat, has a population of approximately 10,000 residents and is known for its vibrant community and historic charm. Aberdeen, with a population of around 15,000, is recognized for its proximity to the Aberdeen Proving Ground, a major U.S. Army facility. Havre de Grace, a picturesque city with about 13,000 residents, is situated at the mouth of the Susquehanna River and offers scenic waterfront views. Living in Harford County offers a mix of suburban and rural experiences. The county features lush landscapes, with opportunities for agriculture and farming, alongside suburban neighborhoods that provide a more residential feel. Top industries in the area include defense, healthcare, and education, which attract a diverse workforce. The county's appealing mix of rural charm and suburban convenience, along with its strong community ties and proximity to major cities like Baltimore, makes it an attractive destination for those seeking a balanced lifestyle.

County snapshot

Market context.

MD

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaBaltimore-Columbia-TowsonMapped market area
Area code12580CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Harford County

Common questions about 2026 loan limits and refinancing opportunities in Maryland.

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