MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Harford, PA Housing Affordability Index

Harford, Pennsylvania has an MBR Housing Affordability Index score of 186.1 (Highly Affordable) as of October 30, 2026, ranking 195th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $173,900 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $948, or 10% of the city’s $116,136 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Harford is updated every night from live Pennsylvania mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Harford MBR-HAI 186.1 Highly Affordable
Rank in Pennsylvania 195 of 1,325 1 = most affordable
Pennsylvania 108.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.23% Pennsylvania lenders
Median home value $173,900 U.S. Census Bureau

Harford is 77.8 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Harford Mortgage Rates

What It Takes to Buy in Harford

$948/mo
Principal & Interest
Median home, 20% down, 7.23%
$40,600
Income Needed
To keep the payment at 28% of income
$116,136
Median Household Income
Pennsylvania: $77,971
1.5x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,193/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,500/yr
Median Property Tax
2.01% of median value
13.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Harford, Pennsylvania. The rate is the Pennsylvania average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Harford Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Harford, Pennsylvania score: 186.1 (Highly Affordable), ranked 195 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/harford”