Havre de Grace, Maryland
Area Profile
14,994 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Havre de Grace, in Harford County.
How this area ranks
Data updated · 16 sourcesUnemployment is 3.8% and median household income $105,817, putting employment conditions in the middle range of cities measured. The unemployment rate is published for Harford County, MD, which contains Havre de Grace, rather than for Havre de Grace alone.
In the public schools here, 42% of students met the state standard in mathematics, with 15.0 students for every teacher.
169 housing units were authorized over the past twelve months, within 10% of the prior year — steady rather than turning.
These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.
At a glance
Jobs & opportunity
Unemployment across Harford County, MD, which contains Havre de Grace, is 3.8%, lower than in 69% of the 4,226 measured US cities.
Employment across Harford County, MD, which contains Havre de Grace, fell 0.2% over the past year, to 137,646 employed residents.
43% of adults hold a four-year degree, higher than 83% of measured US cities.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Income of new arrivalsHarford County, MD’s figurefiling years 2022–2023 | $70,939 | 47th percentileof 4,101 | filing years 2022–2023 |
| Income of those who leftHarford County, MD’s figurefiling years 2022–2023 | $78,792 | 62nd percentileof 4,101 | filing years 2022–2023 |
| Median household income ±$12,1242024 ACS 5-Year | $105,817 | Top 15%of 29,223 | 2024 ACS 5-Year |
| Per capita income ±$4,5172024 ACS 5-Year | $53,916 | Top 14%of 31,420 | 2024 ACS 5-Year |
| Poverty rate ±3%2024 ACS 5-Year | 9.3% | Top 44%of 31,773 | 2024 ACS 5-Year |
| Average commute ±2.3 min2024 ACS 5-Year | 29.5 min | Bottom 36%of 31,543 | 2024 ACS 5-Year |
| Bachelor's degree or higher ±5%2024 ACS 5-Year | 42.5% | Top 17%of 31,919 | 2024 ACS 5-Year |
| Drove alone to work ±5%2024 ACS 5-Year | 64.4% | 17th percentileof 31,433 | 2024 ACS 5-Year |
| EmploymentHarford County, MD’s figureJuly 2026 | 137,646 | Top 39%of 4,226 | July 2026 |
| Employment change (3 years)Harford County, MD’s figureJuly 2026 | −1.7% | Bottom 28%of 4,226 | July 2026 |
| Employment change (year over year)Harford County, MD’s figureJuly 2026 | −0.2% | Top 38%of 4,226 | July 2026 |
| Labor forceHarford County, MD’s figureJuly 2026 | 143,125 | 61st percentileof 4,226 | July 2026 |
| Labor force participation ±4%2024 ACS 5-Year | 83.3% | Top 30%of 31,513 | 2024 ACS 5-Year |
| Mean annual wageBaltimore-Columbia-Towson, MD Metro Area’s figure2025 OEWS | $76,370 | Top 27%of 3,729 | 2025 OEWS |
| Median annual wageBaltimore-Columbia-Towson, MD Metro Area’s figure2025 OEWS | $59,070 | Top 25%of 3,729 | 2025 OEWS |
| Public transit to work ±1.0%2024 ACS 5-Year | 1.2% | 86th percentileof 31,433 | 2024 ACS 5-Year |
| Unemployment change (year over year)Harford County, MD’s figureJuly 2026 | −0.3% | Top 38%of 4,226 | July 2026 |
| Unemployment rateHarford County, MD’s figureJuly 2026 | 3.8% | Top 31%of 4,226 | July 2026 |
| Worked from home ±5%2024 ACS 5-Year | 21.1% | 87th percentileof 31,433 | 2024 ACS 5-Year |
Median household income, successive ACS releases
Largest occupations — Baltimore-Columbia-Towson, MD
| Occupation | People employed | Median annual wage |
|---|---|---|
| General and Operations Managers | 44,960 | $117,040 |
| Retail Salespersons | 39,920 | $34,800 |
| Registered Nurses | 30,930 | $99,550 |
| Secretaries and Administrative Assistants, Except Legal, Medical, and Executive | 29,780 | $49,220 |
| Laborers and Freight, Stock, and Material Movers, Hand | 28,350 | $43,250 |
| Home Health and Personal Care Aides | 26,880 | $37,640 |
Searches the 40 largest occupations here that have a published wage.
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.
42% of students met the state standard in mathematics and 50% in reading, across the schools here that reported results.
There are 15.0 students for every full-time teacher across 5 public schools, fewer than in most measured places.
| School | District | Students | Per teacher | Math | Reading |
|---|---|---|---|---|---|
| Havre de Grace High | Harford County Public Schools | 822 | 17.1 | 47% | 67% |
| Havre de Grace Middle | Harford County Public Schools | 617 | 13.4 | 36% | 44% |
| Havre de Grace Elementary | Harford County Public Schools | 593 | 15.6 | 43% | 42% |
| Meadowvale Elementary | Harford County Public Schools | 552 | 16.2 | 50% | 57% |
| Roye-Williams Elementary | Harford County Public Schools | 444 | 12.3 | 31% | 28% |
45.1% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.
Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against Maryland’s own standard, so it is ranked within state. How to read school figures.
Housing & affordability
How it’s calculated — housing affordability →Prices for everything a household buys run about 3% above the national average — the Bureau of Economic Analysis index reads 103.2, against 100 for the nation. Nationally, housing drives most of the spread between places in this index; other goods vary far less.
The Federal Housing Finance Agency’s house price index for the Baltimore-Columbia-Towson, MD Metro Area is up 32% over five years, and up 2.7% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.
Homeowners here who pay a tax bill pay a median of $3,873 a year in real estate taxes, about 0.99% of the median home value.
HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $1,857, some 31% above the $1,416 tenants already here pay.
At HUD’s Fair Market Rent of $1,857 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $74,300 a year, about 70% of the median household income here of $105,817.
The typical renter household here spends 30% of its income on rent, at the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $1,416 a month.
A median home at $392,900 costs 2.9 times the median income of its owner-occupied households, $136,518, close to the historic benchmark for an affordable market.
Prices here run about 3% above the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.
Published for the Baltimore-Columbia-Towson, MD Metro Area as a whole. Prices are regional — people shop, commute and rent across a metropolitan area rather than within a city boundary — so this describes the cost of living around this place better than a figure drawn to its own limits would.
The figures above are measured against Havre de Grace’s median household income of $105,817, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Cost of living indexthe Baltimore-Columbia-Towson, MD Metro Area’s figure2023 | 103.2 | Bottom 39%of 3,700 | 2023 |
| Home price change (1 year)the Baltimore-Columbia-Towson, MD Metro Area’s figure2026 Q2 | +2.7% | 43rd percentileof 4,154 | 2026 Q2 |
| Home price change (5 years)the Baltimore-Columbia-Towson, MD Metro Area’s figure2026 Q2 | +31.8% | 17th percentileof 4,154 | 2026 Q2 |
| Home price change (10 years)the Baltimore-Columbia-Towson, MD Metro Area’s figure2026 Q2 | +61.0% | 7th percentileof 4,154 | 2026 Q2 |
| Home price to income ±0.32024 ACS 5-Year | 2.9 | Bottom 38%of 26,815 | 2024 ACS 5-Year |
| Homeownership rate ±4%2024 ACS 5-Year | 71.6% | 41st percentileof 31,717 | 2024 ACS 5-Year |
| Housing units ±3252024 ACS 5-Year | 6,660 | 91st percentileof 32,177 | 2024 ACS 5-Year |
| Market rent, one bedroomFY2026 | $1,511 | Bottom 43%of 4,072 | FY2026 |
| Market rent, three bedroomFY2026 | $2,358 | Bottom 41%of 4,072 | FY2026 |
| Market rent, two bedroomFY2026 | $1,857 | Bottom 40%of 4,072 | FY2026 |
| Median gross rent ±$1042024 ACS 5-Year | $1,416 | Bottom 22%of 23,120 | 2024 ACS 5-Year |
| Median home value ±$21,6402024 ACS 5-Year | $392,900 | 82nd percentileof 29,111 | 2024 ACS 5-Year |
| Median property taxes ±$2152024 ACS 5-Year | $3,873 | 82nd percentileof 26,440 | 2024 ACS 5-Year |
| Owner household income ±$9,6732024 ACS 5-Year | $136,518 | Top 10%of 27,548 | 2024 ACS 5-Year |
| Property tax rate ±0.08%2024 ACS 5-Year | 0.99% | 51st percentileof 20,543 | 2024 ACS 5-Year |
| Rent as a share of income ±3%2024 ACS 5-Year | 29.9% | Bottom 41%of 22,950 | 2024 ACS 5-Year |
| Seasonal and second homes ±482024 ACS 5-Year | 51 | 83rd percentileof 32,330 | 2024 ACS 5-Year |
| Second homes2024 ACS 5-Year | 0.8% | 60th percentileof 31,895 | 2024 ACS 5-Year |
| Vacancy rate2024 ACS 5-Year | 2.7% | 25th percentileof 31,769 | 2024 ACS 5-Year |
| Vacant housing units ±1522024 ACS 5-Year | 231 | 80th percentileof 32,330 | 2024 ACS 5-Year |
These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures and the cost-of-living index.
Growth & development
How it’s calculated — growth →Development Momentum
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 grown 3% since 2020, reaching 15,222 in 2024.
Permitting has turned downward after moving the other way the year before: 141 units authorized in 2025, 15% below the prior year.
New construction is predominantly single-family: of 169 units permitted over the past twelve months, none were in buildings of five or more homes.
Federal tax returns show that people moving in from elsewhere in the US and people moving out roughly balanced across Harford County, which contains Havre de Grace, in the most recent year. Households that moved in reported an average income of $70,939, below the $78,792 of households that moved out.
At 11.3 permitted units per 1,000 residents, building activity is above the median for measured US cities.
Population, annual estimates
People moving in and out
Where newcomers came from
- Baltimore County, MD 3,749 people · 34% of arrivals
- Baltimore city, MD 1,104 people · 10% of arrivals
- Cecil County, MD 605 people · 5.5% of arrivals
- Anne Arundel County, MD 389 people · 3.5% of arrivals
- York County, PA 281 people · 2.6% of arrivals
Where people who left went
- Baltimore County, MD 2,327 people · 22% of departures
- Baltimore city, MD 818 people · 7.8% of departures
- Cecil County, MD 711 people · 6.7% of departures
- York County, PA 460 people · 4.4% of departures
- Anne Arundel County, MD 261 people · 2.5% of departures
Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Harford County, MD. IRS Statistics of Income, filing years 2022–2023.
Housing units permitted per year
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.
Air quality measures a median index of 42, in the Good band, and about 6 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.
Precipitation
| Metric | Value | Source period |
|---|---|---|
| 90th percentile air quality index2024 calendar year | 64 | 2024 calendar year |
| Annual precipitation1991-2020 Normals | 47.1" | 1991-2020 Normals |
| Average January low1991-2020 Normals | 25°F | 1991-2020 Normals |
| Average July high1991-2020 Normals | 86°F | 1991-2020 Normals |
| Comfortable months1991-2020 Normals | 6 | 1991-2020 Normals |
| Days above AQI 1002024 calendar year | 6 | 2024 calendar year |
| Median air quality index2024 calendar year | 42 | 2024 calendar year |
| Seasonal temperature swing1991-2020 Normals | 44°F | 1991-2020 Normals |
Air quality
A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.
Climate figures are thirty-year normals, not current conditions. Air quality is measured by EPA monitors and published by county only where a monitor sits; a county without one shows nothing rather than an estimate, and a county reading is still the county’s. How to read climate and air quality.
Physical risk
The hazards accounting for most of this area's expected annual loss are inland flooding, heat wave and hurricane, with inland flooding alone responsible for 58% of it. Inland flooding and heat wave are independently rated low or minimal nationally, so this describes how the loss is composed, not how large those hazards are.
Overall hazard risk is lower than 93% of measured US cities.
Low or minimal exposure: winter weather, heat wave, lightning, inland flooding, strong wind, cold wave, ice storm, coastal flooding, tornado, wildfire, hail, tsunami, volcanic activity.
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.
Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.
Havre de Grace's police department reported 78 violent offenses per 100,000 residents, lower than most places with a department reporting. Property crime runs at 1,188.
Harford County has a modeled homicide rate of about 1.8 per 100,000 residents a year, because the CDC suppresses counts this small, lower than most counties measured. The CDC does not publish this below county level.
Firearm deaths of all intents run at 7.2 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.
Drug overdose deaths run at 16.6 per 100,000 residents in Harford County.
Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.
Offenses are reported to the FBI by Havre de Grace’s own police department and shown only where it reported every month of the year; a partial year is withheld rather than scaled up. Reported crime is what police recorded, which is not the same as what happened. Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Havre de Grace (Harford County) rather than Havre de Grace itself. Neither is part of the Area Score. How to read crime rates and death rates.
What this profile does not cover
Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.
- Taxes
- Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. The cost-of-living index above is a price level for all consumption, not a household budget, and it excludes taxes. Nothing here is individualized tax advice.
- Anything about a specific address
- Every figure describes an area, not a street or a house.
Access
6 major airports lie within 100 miles, the nearest Baltimore/Washington Intl Thurgood Marshall at 39 miles.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Broadband access ±3%2024 ACS 5-Year | 93.1% | Top 34%of 31,588 | 2024 ACS 5-Year |
| Distance to major airportNASR current cycle | 39 mi | Bottom 19%of 4,226 | NASR current cycle |
| Major airports within 100 milesNASR current cycle | 6 | Top 27%of 4,226 | NASR current cycle |
| No internet access ±3%2024 ACS 5-Year | 5.0% | Top 37%of 31,588 | 2024 ACS 5-Year |
| Airport | Code | Distance | Longest runway |
|---|---|---|---|
| Baltimore/Washington Intl Thurgood Marshall | BWI | 39 mi | 10,503 ft |
| Dover AFB | DOV | 45 mi | 9,602 ft |
| Philadelphia Intl | PHL | 52 mi | 12,000 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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Other cities in Baltimore-Columbia-Towson, MD
Same metropolitan area, measured the same way| City | County | Population | Area Score | Compare |
|---|---|---|---|---|
| Baltimore | Baltimore city | 573,243 | 54 | Baltimore vs Havre de Grace |
| Columbia | Howard County | 104,338 | 72 | Columbia vs Havre de Grace |
| Ellicott City | Howard County | 75,257 | 72 | Ellicott City vs Havre de Grace |
| Glen Burnie | Anne Arundel County | 72,590 | 69 | |
| Dundalk | Baltimore County | 65,969 | 59 | |
| Towson | Baltimore County | 58,679 | 74 | |
| Severn | Anne Arundel County | 58,402 | 74 | |
| Bel Air South | Harford County | 58,137 | 74 | |
| Odenton | Anne Arundel County | 45,002 | 74 | |
| Catonsville | Baltimore County | 43,368 | 72 | |
| Annapolis | Anne Arundel County | 40,720 | 75 | |
| Essex | Baltimore County | 40,580 | 63 |
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.
Similar places
Matched on AreaProfile signals, not geographyCompare
Put Havre de Grace side by side with a similar place.
Moving to Havre de Grace from somewhere else?
You get the difference in prices, rent and weather, and the income that would keep pace.
Data & methodology
| Used for | Source | Source period |
|---|---|---|
| Access | Federal Aviation Administration Airports (NASR) — Aeronautical Data Delivery Service | NASR current cycle |
| Safety | Federal Bureau of Investigation, Crime Data Explorer Summarized offense counts by law enforcement agency | 2025 calendar year |
| Physical risk | Federal Emergency Management Agency National Risk Index | National Risk Index December 2025 (v1.20.0) |
| Demographics, Income | Internal Revenue Service, Statistics of Income Division U.S. Population Migration Data (county to county) | filing years 2022–2023 |
| Climate | NOAA National Centers for Environmental Information U.S. Climate Normals 1991–2020 (Monthly) | 1991-2020 Normals |
| Housing | U.S. Bureau of Economic Analysis Regional price parities and county personal income | 2023 |
| Jobs | U.S. Bureau of Labor Statistics Occupational Employment and Wage Statistics | 2025 OEWS |
| Jobs | U.S. Bureau of Labor Statistics Local Area Unemployment Statistics | July 2026 |
| Demographics | U.S. Census Bureau Population Estimates Program | July 1, 2024 estimate |
| Development | U.S. Census Bureau Building Permits Survey | 12 months ending July 2026 |
| Access, Demographics, Housing, Income, Jobs | U.S. Census Bureau American Community Survey 5-Year Estimates (Table-Based Summary File) | 2024 ACS 5-Year |
| Safety | U.S. Centers for Disease Control and Prevention, National Center for Health Statistics Provisional county-level mortality by intent | March 2025 to February 2026; May 2025 to April 2026 |
| Schools | U.S. Department of Education, National Center for Education Statistics Common Core of Data and EDFacts assessments | 2018-19 school year; 2024-25 school year |
| Housing | U.S. Department of Housing and Urban Development, Office of Policy Development and Research Fair Market Rents | FY2026 |
| Climate | U.S. Environmental Protection Agency, Air Quality System Daily Air Quality Index by county | 2024 calendar year |
| Housing | U.S. Federal Housing Finance Agency House Price Index (traditional, all-transactions) | 2026 Q2 |
| Current conditions | NOAA National Weather Service National Weather Service current conditions | Live observation, read when the page opens |
Profile recalculated October 8, 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 every source with how often each updates.
ZIP codes in Havre de Grace
1 ZIP areaEvery ZIP area in Havre de Grace with census figures of its own, largest first. The ones linked below diverge enough from the city as a whole to carry a full profile; the rest track Havre de Grace closely, so their figures are here rather than on a page that would repeat this one. An Area Score is calculated for published profiles only, which is why it is blank on those rows.
| ZIP | Population | Median household income | Median home value | Area Score |
|---|---|---|---|---|
| 21078 | 20,030 | $106,667 | $385,600 | — |