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City · 14,237 residents · Harford County, Maryland

Joppatowne , Maryland

In Joppatowne, a typical home is worth $342,300 and typical rent is $1,729 a month. Compared with all of Harford County, the typical home value is 11% lower and typical rent is 9% higher.

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  • Typical home value

    $342,300

    11% below the county

    18% below Maryland

    • Joppatowne
    • Harford
    • Maryland

  • Typical rent

    $1,729a month

    9% above the county

    About the same as Maryland

    • Joppatowne
    • Harford
    • Maryland

  • Typical household income

    $117,881a year

    5% above the county

    14% above Maryland

    • Joppatowne
    • Harford
    • Maryland

  • Households that own their home

    82%

    2 points above the county

    14 points above Maryland

    • Joppatowne
    • Harford
    • Maryland

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

Joppatowne 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 Joppatowne apart

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

  1. Nearby, in Edgewood, the typical home value is $242,200: 29% less than in Joppatowne ($342,300).

  2. Nearby, in Edgewood, the typical rent is $1,375: 20% less than in Joppatowne ($1,729).

  3. 10% of households in Joppatowne have no internet at home (4% in Harford County).

  4. Joppatowne has the 15th smallest share of rent-burdened renters of the 170 cities in Maryland with more than 5,000 people (37%).

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

The homes here

Housing in Joppatowne

What homes there are in Joppatowne, 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

In Joppatowne, 6 in 10 homes are single-family detached houses; in Harford County, 6.

Year built

The typical home in Joppatowne was built in 1975, 11 years before the typical one in Harford County.

Much as in Harford County, 75% of homes in Joppatowne have 3 bedrooms or more.

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
Monthly rent with utilities

With a mortgage

$1,985 a month

Harford County: $2,165 a month

Without a mortgage

$662 a month

Harford County: $694 a month

Owners with a mortgage

68%

Harford County: 69%

Owning costs less in Joppatowne: with a mortgage, the typical cost is $1,985 a month; in Harford County, $2,165. Without one, $662.

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 Joppatowne rose 31% since 2015–2019.

Since 2015–2019, the typical rent in Joppatowne rose 49%, more than in Harford County (26%).

To compare: typical income in Joppatowne rose 32%; the home, +31%; the rent, +49%.

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

MeasureJoppatowneHarford 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 2.572.572.572.53
Drive alone 81%75%65%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 12%15%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Joppatowne look like those in Harford County: 2.57 people on average.

To get to work, 81% of workers in Joppatowne drive alone; in Harford County, 75%.

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 Joppatowne?

A typical home is tight for the typical income

We start with a typical home in Joppatowne, worth $342,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Joppatowne, which is $117,881 a year. For that payment to be 28% of income, a household would need to earn about $120,205 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 Joppatowne. 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 $11,981 (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

$2,805

at 7.18% · 30 years

Loan amount
$336,100
Total interest
$483,568
Paid off in
November 2056

Includes $5,781 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,751 a month

  • Tight

    $2,751 to $3,536 a month

    Your payment · 29%

  • Hard

    more than $3,536 a month

Compared with the typical household income in Joppatowne ($117,881 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,805
Principal & interest$2,277
Property tax$234
Home insurance$143
FHA mortgage insurance (MIP)$151

You need at least $11,981 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

Joppatowne and Harford County

Joppatowne 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).

Joppatowne's own numbers

Typical home value
$342,300
Typical monthly rent
$1,729
Typical yearly household income
$117,881
Households that own their home
82%
Effective property tax rate
0.82%

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 Joppatowne

A typical home in Joppatowne is worth $342,300: 11% below the county and 18% below Maryland. With the typical household income in Joppatowne ($117,881 a year), a typical home costs 2.9 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.

  • Joppatowne 2.9 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

Joppatowne 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
  • Joppatowne $342,300
  • Harford $386,400
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Joppatowne $1,729
  • Harford $1,586
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Joppatowne $117,881
  • Harford $112,265
  • Maryland $103,678
  • United States $80,734
See the full table
Joppatowne next to Harford County and Maryland
Measure Joppatowne Harford County Maryland U.S.
Typical home value $342,300 $386,400 $419,900 $332,700
Typical monthly rent $1,729 $1,586 $1,705 $1,413
Typical yearly household income $117,881 $112,265 $103,678 $80,734
Households that own their home 82% 80% 68% 65%
Typical yearly property tax $2,799 $3,448 $4,093 $3,119
Effective property tax rate 0.82% 0.89% 0.97% 0.94%
Renters with high rent for their income 37% 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 Joppatowne

For a typical $342,300 home in Joppatowne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Joppatowne's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,805a month

    Least cash to close
    Down payment
    $11,981
    Cash to close
    $22,250
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $2,742a month

    Down payment
    $17,115
    Cash to close
    $27,384
    Rate
    7.18%
    Mortgage insurance
    PMI · $163

  • Conventional, 20% down, no PMI $2,232a month

    Down payment
    $68,460
    Cash to close
    $78,729
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,548a month

    Down payment
    $51,345
    Cash to close
    $61,614
    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 Joppatowne and for Harford County.

Property tax

Effective rate in Joppatowne

0.82%of the home’s value each year

$2,799 a year for the typical owner in Joppatowne.

  • Joppatowne 0.82%
  • 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 Joppatowne

Typical rent in Joppatowne is $1,729 a month: 9% above the county. In Joppatowne, 37% 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 Joppatowne

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Joppatowne is in ZIP code 21085.

For 2 bedrooms it is $2,030: $24 more than the fair market rent for Harford County ($2,006).

  • 21085 $2,030$2,540

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Joppatowne 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 Joppatowne

HUD lists one building with rents for lower incomes in Joppatowne.

  • Harborside Village Apartments 600 Harborside Dr, Joppatowne 21085 150 homes, 30 low-income · For families (410) 679-1130

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

Free help

Help to buy or rent in Joppatowne

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.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Joppatowne

No down payment, repair or rent-help program on our list is for Joppatowne or Harford County. The ones below are statewide in Maryland: they work in Joppatowne 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 Joppatowne

The HUD-approved agencies closest to the center of Joppatowne, 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 · 12 miles away

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

  • Belair - Edison Neighborhoods, Inc.

    3545 Belair Rd, Baltimore · 13 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 Joppatowne

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 Joppatowne

HUD’s record names them for Joppatowne 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 Joppatowne, 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 Joppatowne.

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

Questions

Housing questions about Joppatowne

Short answers with the numbers for Joppatowne 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 Joppatowne?

The typical home value in Joppatowne is $342,300, 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 Joppatowne?

Typical rent in Joppatowne is $1,729 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 Joppatowne?

Joppatowne 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 Joppatowne?

The typical homeowner in Joppatowne pays $2,799 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Harford County, the rate is 0.89%.

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

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).