In Riverside, a typical home is worth $246,100 and typical rent is $1,898 a month. Compared with all of Harford County, the typical home value is 36% lower, typical rent is 20% higher, and the share of households that own their home is 15 points lower.
Riverside 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
What this place has that others do not, from public data, most unusual first.
1
Riverside has the 7th smallest share of rent-burdened renters of the 170 cities in Maryland with more than 5,000 people (31%).
2
The typical home in Riverside is worth $246,100,36% less than in Harford County as a whole ($386,400).
3
Nearby, in Aberdeen, the typical rent is $1,363: 28% less than in Riverside ($1,898).
4
65% of households in Riverside own their home, against 80% in Harford County.
5
The typical rent in Riverside is $1,898 a month, 20% more than in Harford County as a whole ($1,586).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Riverside
What homes there are in Riverside, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Riverside
Harford County
Maryland
United States
Kind of home: Riverside and its comparisons
Measure
Riverside
Harford County
Maryland
United States
Detached house
22%
60%
51%
61%
Attached house
46%
21%
21%
6%
Building of 2 to 4
Unreliable estimate
3%
4%
8%
Apartments (5 or more)
Unreliable estimate
14%
23%
19%
Mobile home
Unreliable estimate
3%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes here are varied: attached houses (townhouses) are 46% of them, more than in Harford County (21%), and no kind reaches half.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Riverside
Harford County
Maryland
United States
Year built: Riverside and its comparisons
Measure
Riverside
Harford County
Maryland
United States
Before 1960
Unreliable estimate
12%
26%
26%
1960–1979
8%
28%
25%
24%
1980–1999
71%
36%
28%
25%
2000–2009
12%
16%
12%
14%
2010 or later
Unreliable estimate
9%
9%
11%
Homes in Riverside are newer: the typical year built is 1992; in Harford County, 1986.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K20%
$200K–$300K47%
$300K–$500K23%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Riverside and its comparisons
Measure
Riverside
Under $100K
Unreliable estimate
$100K–$200K
20%
$200K–$300K
47%
$300K–$500K
23%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99950%
$2,000–$2,49931%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Riverside and its comparisons
Measure
Riverside
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
50%
$2,000–$2,499
31%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,644 a month
Harford County: $2,165 a month
Without a mortgage
$563 a month
Harford County: $694 a month
Owners with a mortgage
78%
Harford County: 69%
Owning costs less in Riverside: with a mortgage, the typical cost is $1,644 a month; in Harford County, $2,165. Without one, $563.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
RiversideBoundaries changed
Harford County+32%
Maryland+33%
United States+53%
Typical rent
RiversideBoundaries changed
Harford County+26%
Maryland+23%
United States+33%
Typical household income
RiversideBoundaries changed
Harford County+26%
Maryland+22%
United States+29%
Change since 2015–2019: Riverside and its comparisons
Measure
Riverside
Harford County
Maryland
United States
Typical home value
Boundaries changed
+32%
+33%
+53%
Typical rent
Boundaries changed
+26%
+23%
+33%
Typical household income
Boundaries changed
+26%
+22%
+29%
The Census does not compare Riverside with 2015–2019 because its boundaries changed. In Harford County, over that time, the typical home value rose 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Riverside and its comparisons
Measure
Riverside
Harford County
Maryland
United States
Rental vacancy
Unreliable estimate
3.6%
4.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.4%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
2.5%
3.4%
People per household
2.39
2.57
2.57
2.53
Drive alone
78%
75%
65%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
11%
15%
19%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Riverside has 2.39 people, fewer than in Harford County (2.57).
To get to work, 78% of workers in Riverside drive alone; in Harford County, 75%.
Do the math
What would you pay each month for a home in Riverside?
A typical home is within reach of the typical income
We start with a typical home in Riverside, worth $246,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Riverside, which is $105,785 a year.
The calculator's FHA and conventional loan limits are those of all of Harford County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Riverside. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,614 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,014
at 7.18% · 30 years
Loan amount
$241,642
Total interest
$347,666
Paid off in
November 2056
Includes $4,156 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,468 a month
Your payment · 23%
Tight
$2,468 to $3,174 a month
Hard
more than $3,174 a month
Compared with the typical household income in Riverside ($105,785 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,637
Property tax
$166
Home insurance
$103
FHA mortgage insurance (MIP)
$109
You need at least $8,614 for the down payment, plus closing costs.
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.
Total monthly payment $2,014; principal and interest $1,637.
The city and its county
Riverside and Harford County
Riverside 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).
Riverside
Map of Harford County, Maryland, with Riverside marked. Around it, the neighboring counties.
Riverside
Harford County
Other cities with a page
Riverside's own numbers
Typical home value
$246,100
Typical monthly rent
$1,898
Typical yearly household income
$105,785
Households that own their home
65%
Effective property tax rate
0.81%
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.
A typical home in Riverside is worth $246,100: 36% below the county and 41% below Maryland. With the typical household income in Riverside ($105,785 a year), a typical home costs 2.3 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.
Riverside2.3 years
Harford3.4 years
Maryland4.1 years
United States4.1 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.
Yearly change in FHFA’s price index in Harford County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +1.0% +1.0% 2017
2018: +3.7% +3.7% 2018
2019: +3.1% +3.1% 2019
2020: +3.3% +3.3% 2020
2021: +9.0% +9.0% 2021
2022: +13.1% +13.1% 2022
2023: +8.1% +8.1% 2023
2024: +4.4% +4.4% 2024
2025: +3.7% +3.7% 2025
Change in FHFA’s price index in Harford County, Maryland and the United States
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
Riverside 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
Riverside$246,100
Harford$386,400
Maryland$419,900
United States$332,700
Typical monthly rent
Riverside$1,898
Harford$1,586
Maryland$1,705
United States$1,413
Typical yearly household income
Riverside$105,785
Harford$112,265
Maryland$103,678
United States$80,734
See the full table
Riverside next to Harford County and Maryland
Measure
Riverside
Harford County
Maryland
U.S.
Typical home value
$246,100 ▼36% below the county
$386,400
$419,900
$332,700
Typical monthly rent
$1,898 ▲20% above the county
$1,586
$1,705
$1,413
Typical yearly household income
$105,785 ▼6% below the county
$112,265
$103,678
$80,734
Households that own their home
65% ▼15 points below the county
80%
68%
65%
Typical yearly property tax
$1,982 ▼43% below the county
$3,448
$4,093
$3,119
Effective property tax rate
0.81% ▼0.08 points below the county
0.89%
0.97%
0.94%
Renters with high rent for their income
31% ▼18 points below the county
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 Riverside
For a typical $246,100 home in Riverside, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Riverside's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,014a month
Least cash to close
Down payment
$8,614
Cash to close
$15,997
Rate
7.18%
Mortgage insurance
FHA MIP · $109
Conventional, 5% down$1,969a month
Down payment
$12,305
Cash to close
$19,688
Rate
7.18%
Mortgage insurance
PMI · $117
Conventional, 20% down, no PMI$1,602a month
Down payment
$49,220
Cash to close
$56,603
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,830a month
Down payment
$36,915
Cash to close
$44,298
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Riverside
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,014
$8,614
$241,643
7.18%
FHA MIP · $109
$15,997
580
Conventional, 5% down
$1,969
$12,305
$233,795
7.18%
PMI · $117
$19,688
620*
Conventional, 20% down, no PMI
$1,602
$49,220
$196,880
7.18%
None
$56,603
620*
ITIN, 15% down (example)
$1,830
$36,915
$209,185
8.18%
None
$44,298
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Riverside and for Harford County.
Property tax
Effective rate in Riverside
0.81%of the home’s value each year
$1,982 a year for the typical owner in Riverside.
Riverside0.81%
Harford0.89%
Maryland0.97%
What Maryland publishesHomestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))
Typical rent in Riverside is $1,898 a month: 20% above the county. In Riverside, 31% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Harford County (Fiscal year 2027)
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 Riverside
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Riverside is in ZIP code 21017.
For 2 bedrooms it is $2,170: $164 more than the fair market rent for Harford County ($2,006).
Fair market rent by ZIP code and size in Riverside, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
21017
$1,650
$1,760
$2,170
$2,710
$3,020
ZIP code2 bd3 bd
21017 $2,170$2,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Riverside 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Riverside or Harford County. The ones below are statewide in Maryland: they work in Riverside the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Riverside or Harford County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Riverside 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 Riverside?
The typical home value in Riverside is $246,100, 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 Riverside?
Typical rent in Riverside is $1,898 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 Riverside?
Riverside 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 Riverside?
The typical homeowner in Riverside pays $1,982 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Harford County, the rate is 0.89%.
Where can I find free help to buy or rent in Riverside?
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.
