AreaProfile

Bel Air, Maryland

Area Profile

10,585 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Bel Air, in Harford County.

74
Area Score
Top 9% of 2,944 published profiles

How we calculate this

How this area ranks
OpportunityTop 19% of 3,904 published cities72
GrowthTop 34% of 2,973 published cities59
Housing affordability2686th of 4,223 published cities72
ClimateTop 49% of 4,223 published cities71
Physical resilienceTop 7% of 4,182 published cities94
Access2887th of 4,226 published cities86
Economic stability2279th of 4,226 published cities59
The quick read

Bel Air ranks in the top 19% of published city profiles for employment opportunity, with unemployment at 3.5% and median household income of $74,605.

Development activity is both elevated and accelerating — 60 housing units permitted over the past twelve months, up 5900% on the prior year.

Natural-hazard exposure is lower than in most comparable published city profiles, placing Bel Air in the top 7% for physical resilience.

At a glance

Population
10,585
2024 ACS 5-Year
Median household income
$74,605
Top 40% nationally
Density
3,485/sq mi
3.0 sq mi of land
Median age
42.6
2024 ACS 5-Year
County
Harford County
Maryland
Metro area
Baltimore-Columbia-Towson, MD
Nearest major airport
BWI
30 mi · Baltimore/Washington Intl Thurgood Marshall
Median home value
$318,400
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.5% is lower than 84% of the 3,904 measured US cities.

Employment grew 0.4% over the past year, to 138,174 employed residents.

43% of adults hold a four-year degree, higher than 84% of measured US cities.

MetricValueCompared with peersSource period
Median household income ±$10,974$74,605Top 40%2024 ACS 5-Year
Per capita income ±$4,044$46,446Top 21%2024 ACS 5-Year
Poverty rate13.8%Top 40%2024 ACS 5-Year
Average commute30.2 minTop 33%2024 ACS 5-Year
Bachelor's degree or higher43.0%Top 16%2024 ACS 5-Year
Employment138,174Top 35%June 2026
Employment change (3 years)-0.5%Bottom 43%June 2026
Employment change (year over year)0.4%Top 20%June 2026
Labor force143,252Top 35%June 2026
Labor force participation65.7%Top 31%2024 ACS 5-Year
Mean annual wage$76,370Top 27%2025 OEWS
Median annual wage$59,070Top 25%2025 OEWS
Unemployment change (year over year)-0.2%Bottom 35%June 2026
Unemployment rate3.5%Bottom 16%June 2026
Median household income, successive ACS releases
202120222023202475k64k
Each point is a separate five-year estimate, most recently $74,605 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Baltimore-Columbia-Towson, MD
OccupationPeople employedMedian annual wage
General and Operations Managers44,960$117,040
Retail Salespersons39,920$34,800
Registered Nurses30,930$99,550
Secretaries and Administrative Assistants, Except Legal, Medical, and Executive29,780$49,220
Laborers and Freight, Stock, and Material Movers, Hand28,350$43,250
Home Health and Personal Care Aides26,880$37,640

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Harford County, MD, which contains this city.

Housing & affordability

How it’s calculated →

Median rent of $1,492 takes 24% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.3 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
24.0%
Below the 30% cost-burdened threshold
Home price to income
4.3×
median home value ÷ median income
Median gross rent
$1,492
2024 ACS 5-Year
Median home value
$318,400
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income4.27Top 23%2024 ACS 5-Year
Homeownership rate59.2%Bottom 19%2024 ACS 5-Year
Housing units ±2945,267Top 11%2024 ACS 5-Year
Median gross rent ±$90$1,492Top 21%2024 ACS 5-Year
Median home value ±$23,329$318,400Top 26%2024 ACS 5-Year
Rent as a share of income24.0%Top 21%2024 ACS 5-Year
Vacancy rate4.3%Bottom 25%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
59/ 100
Top 34% of 2,973 published city profiles
Permitting is increasing, measured from 2020 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has fallen 3% since 2020, reaching 10,395 in 2024.

Permitting has turned upward after moving the other way the year before.

95% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 5.7 permitted units per 1,000 residents, building activity is above the median for measured US cities.

Units permitted
60
12 months ending July 2026
Per 1,000 residents
5.7
Top 26% nationally
Year over year
+5900%
vs the prior twelve months
Multifamily share
95.0%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202411k10k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
202020222023202420252.00.0
Annual totals from the Census Building Permits Survey. Permitting in 2025 was close to 2020 (0%).

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 86°F and January a low of 25°F.

Normal annual precipitation is 47.1 inches.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station ABERDEEN PHILLIPS FLD, 10.4 miles from this location.
Precipitation
JFMAMJJASOND4.8"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation47.1"1991-2020 Normals
Average January low25°F1991-2020 Normals
Average July high86°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing44°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

94 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, earthquake and drought.

HurricaneModerate
EarthquakeModerate
DroughtModerate
LandslideModerate
AvalancheModerate

Low or minimal exposure: winter weather, heat wave, lightning, inland flooding, strong wind, cold wave, ice storm, coastal flooding, tornado, wildfire, hail.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Crime
The FBI’s Crime Data Explorer is the only source with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. Reported crime is also easy to misread: agency participation varies year to year, and a city that draws a large daytime workforce carries incidents its residents did not generate.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

5 major airports lie within 100 miles, the nearest 30 miles away.

AirportCodeDistanceLongest runway
Baltimore/Washington Intl Thurgood MarshallBWI30 mi10,503 ft
Harrisburg IntlMDT51 mi10,001 ft
Philadelphia IntlPHL63 mi12,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
74
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Other cities in Baltimore-Columbia-Towson, MD

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
BaltimoreBaltimore city573,24359vs Bel Air
ColumbiaHoward County104,338vs Bel Air
Ellicott CityHoward County75,257vs Bel Air
Glen BurnieAnne Arundel County72,590vs Bel Air
DundalkBaltimore County65,969vs Bel Air
TowsonBaltimore County58,679vs Bel Air
SevernAnne Arundel County58,402vs Bel Air
Bel Air SouthHarford County58,137vs Bel Air
OdentonAnne Arundel County45,002vs Bel Air
CatonsvilleBaltimore County43,368vs Bel Air
AnnapolisAnne Arundel County40,72080vs Bel Air
EssexBaltimore County40,580vs Bel Air

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Compare

Put Bel Air side by side with a similar place.

Bel Air vs CarneyBel Air vs Middle RiverBel Air vs LochearnBel Air vs Aberdeen

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.