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City · 24,922 residents · Harford County, Maryland

Edgewood , Maryland

In Edgewood, a typical home is worth $242,200 and typical rent is $1,375 a month. Compared with all of Harford County, the typical home value is 37% lower, typical household income is 28% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $242,200

    37% below the county

    42% below Maryland

    • Edgewood
    • Harford
    • Maryland

  • Typical rent

    $1,375a month

    13% below the county

    19% below Maryland

    • Edgewood
    • Harford
    • Maryland

  • Typical household income

    $80,772a year

    28% below the county

    22% below Maryland

    • Edgewood
    • Harford
    • Maryland

  • Households that own their home

    70%

    9 points below the county

    3 points above Maryland

    • Edgewood
    • Harford
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$262,232
about the same as 12 months ago
Typical rent
$1,750 a month
4.9% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Edgewood is in Harford County. The FHA loan limit ($747,500 for a one-unit home), the fair market rents and the help on this page are those of all of Harford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Edgewood apart

What this place has that others do not, from public data, most unusual first.

  1. Edgewood has the 9th lowest typical home value of the 202 cities in Maryland with more than 5,000 people ($242,200).

  2. The typical household income in Edgewood is $80,772, 28% less than in Harford County as a whole ($112,265).

  3. 70% of households in Edgewood own their home, against 80% in Harford County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Edgewood

What homes there are in Edgewood, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

No kind of home is the majority in Edgewood; the largest group, detached houses, adds up to 41%, less than in Harford County (60%).

Year built

The typical home in Edgewood was built in 1980, 6 years before the typical one in Harford County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 98% of owner-occupied homes in Edgewood are worth less than $500,000, below the FHA loan limit for Harford County ($747,500).

Monthly rent with utilities

With a mortgage

$1,643 a month

Harford County: $2,165 a month

Without a mortgage

$532 a month

Harford County: $694 a month

Owners with a mortgage

75%

Harford County: 69%

In Edgewood, 75% of owners have a mortgage, and their typical cost is $1,643 a month, against $2,165 in Harford County. Without one it drops to $532.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Harford County, the typical home value in Edgewood rose 33% since 2015–2019.

Since 2015–2019, the typical rent in Edgewood did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEdgewoodHarford CountyMarylandUnited States
Rental vacancy Unreliable estimate3.6%4.7%5.5%
Homeowner vacancy Unreliable estimate0.4%0.8%0.9%
More than one person per room Unreliable estimate1.0%2.5%3.4%
People per household 2.562.572.572.53
Drive alone 75%75%65%69%
Carpool 12%7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 10%15%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Harford County, a household in Edgewood has 2.56 people on average.

More people carpool to work in Edgewood than in Harford County: 12% against 7%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Edgewood?

A typical home is tight for the typical income

We start with a typical home in Edgewood, worth $242,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Edgewood, which is $80,772 a year. For that payment to be 28% of income, a household would need to earn about $85,486 a year.

The calculator's FHA and conventional loan limits are those of all of Harford County.

Your numbers

Local data
$

Starts at the typical home value in Edgewood. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,477 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,995

at 7.18% · 30 years

Loan amount
$237,813
Total interest
$342,157
Paid off in
November 2056

Includes $4,090 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,885 a month

  • Tight

    $1,885 to $2,423 a month

    Your payment · 30%

  • Hard

    more than $2,423 a month

Compared with the typical household income in Edgewood ($80,772 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,995
Principal & interest$1,611
Property tax$176
Home insurance$101
FHA mortgage insurance (MIP)$107

You need at least $8,477 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Edgewood and Harford County

Edgewood is in Harford County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Edgewood's own numbers

Typical home value
$242,200
Typical monthly rent
$1,375
Typical yearly household income
$80,772
Households that own their home
70%
Effective property tax rate
0.87%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Harford County

FHA limit, one-unit home
$747,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,006
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
0.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Harford County.

Everything about Harford County

Buying

Buying a home in Edgewood

A typical home in Edgewood is worth $242,200: 37% below the county and 42% below Maryland. With the typical household income in Edgewood ($80,772 a year), a typical home costs 3.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Edgewood 3.0 years
  • Harford 3.4 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harford County

According to FHFA’s house price index, home prices in Harford County rose 65% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Harford County.

Period County Maryland U.S.
Last year (2025) +3.7% +2.7% +2.9%
5 years (2020–2025) +44% +40% +47%
10 years (2015–2025) +65% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Edgewood next to Harford County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Edgewood $242,200
  • Harford $386,400
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Edgewood $1,375
  • Harford $1,586
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Edgewood $80,772
  • Harford $112,265
  • Maryland $103,678
  • United States $80,734
See the full table
Edgewood next to Harford County and Maryland
Measure Edgewood Harford County Maryland U.S.
Typical home value $242,200 $386,400 $419,900 $332,700
Typical monthly rent $1,375 $1,586 $1,705 $1,413
Typical yearly household income $80,772 $112,265 $103,678 $80,734
Households that own their home 70% 80% 68% 65%
Typical yearly property tax $2,109 $3,448 $4,093 $3,119
Effective property tax rate 0.87% 0.89% 0.97% 0.94%
Renters with high rent for their income 59% 49% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Harford County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Edgewood

For a typical $242,200 home in Edgewood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edgewood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,995a month

    Least cash to close
    Down payment
    $8,477
    Cash to close
    $15,743
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $1,950a month

    Down payment
    $12,110
    Cash to close
    $19,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $115

  • Conventional, 20% down, no PMI $1,589a month

    Down payment
    $48,440
    Cash to close
    $55,706
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,813a month

    Down payment
    $36,330
    Cash to close
    $43,596
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Edgewood and for Harford County.

Property tax

Effective rate in Edgewood

0.87%of the home’s value each year

$2,109 a year for the typical owner in Edgewood.

  • Edgewood 0.87%
  • Harford 0.89%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Harford County

FEMA does not publish these numbers by city: they are for all of Harford County.

Homes in the high-risk zone
0.6%
584
Of those, with NFIP insurance
46%
County Maryland U.S.
Homes in the high-risk zone 0.6% 1.2% 3.5%
Of those, with NFIP insurance 46% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Edgewood

Typical rent in Edgewood is $1,375 a month: 13% below the county. In Edgewood, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harford County, by unit size. To pay the 2-bedroom one ($2,006 a month) without spending more than 30% of your income, you would need to earn $38.58 an hour working full time.

HUD fair market rent for all of Harford County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,523 $29.29 $60,920
1 bedroom $1,625 $31.25 $65,000
2 bedrooms $2,006 $38.58 $80,240
3 bedrooms $2,509 $48.25 $100,360
4 bedrooms $2,789 $53.63 $111,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Edgewood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edgewood has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,780 in 21040 to $3,010 in 21010.

1 of the 2 is above the fair market rent for Harford County ($2,006).

  • 21010 $3,010$3,760
  • 21040 $1,780$2,230

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Edgewood when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Edgewood

HUD lists 7 buildings with rents for lower incomes in Edgewood. These are the largest.

  • Windsor Valley Apartments PH I and II 570 Meadowood Dr, Edgewood 21040 291 low-income homes · 1 bd: 62 · 2 bd: 164 · 3 bd: 65 · In service since 2016 · For people with disabilities, families
  • Windsor Valley III 525 Meadowood Dr, Edgewood 21040 291 homes, 256 low-income · 1 bd: 30 · 2 bd: 209 · 3 bd: 44 · In service since 2002 · For families (410) 679-4228
  • Edgewater Village Apts 1881 Edgewater Dr, Edgewood 21040 223 low-income homes · 1 bd: 41 · 2 bd: 157 · 3 bd: 25 · In service since 2001
  • Village at Lakeview 833 Fisherman Ln, Edgewood 21040 223 homes, 218 low-income · For families (410) 679-5888
  • Windsor Valley Apts. Section III 1712 Dearwood Ct, Edgewood 21040 283 homes, 164 low-income · For families (410) 679-4228

See all 30 buildings in Harford County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Edgewood

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Harford County; none says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Edgewood

No down payment, repair or rent-help program on our list is for Edgewood or Harford County. The ones below are statewide in Maryland: they work in Edgewood the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Edgewood

The HUD-approved agencies closest to the center of Edgewood, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Harford County, Maryland

    15 S Main St, Bel Air · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (410) 638-3045

  • Harbel Housing Partnership ( A Division of Harbel Community Organization, Inc.)

    5807 Harford Rd, Baltimore · 15 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (410) 444-9152

  • Belair - Edison Neighborhoods, Inc.

    3545 Belair Rd, Baltimore · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (410) 485-8422

Every agency in Harford County All counseling agencies in Maryland

Help in Spanish near Edgewood

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Edgewood

HUD’s record names them for Edgewood or Harford County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Harford County: see the list Source: HUD

Cities

Other cities in Harford County

These cities are also in Harford County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Harford County Housing in Maryland

Nearby cities

The cities closest to Edgewood, with the typical home value.

Neighboring counties

If Harford County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Edgewood.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Edgewood

Short answers with the numbers for Edgewood and all of Harford County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Edgewood?

The typical home value in Edgewood is $242,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harford County it is $386,400.

How much does it cost to rent in Edgewood?

Typical rent in Edgewood is $1,375 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harford County is $2,006.

What is the FHA loan limit in Edgewood?

Edgewood uses the FHA limit for all of Harford County (2026): $747,500 for a one-unit home and $1,437,500 for a four-unit home.

How much property tax do owners pay in Edgewood?

The typical homeowner in Edgewood pays $2,109 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Harford County, the rate is 0.89%.

Where can I find free help to buy or rent in Edgewood?

There is 1 HUD-approved counseling agency with an office in Harford County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).