Harford County

Income

Average household income by race and ethnicity, 2018-22

Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white.

Source: American Community Survey

Homeownership

Homeownership rate by race and ethnicity, 2018-22

Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white.

Source: American Community Survey

Homebuying

Share of mortgage originations by race and ethnicity, 2022

For first-lien owner-occupied home purchases of 1-4 unit dwellings

Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. For mortgages with an applicant and a co-applicant, if they identify the same way they are captured in that category, otherwise if they have different identities they would be included in the Indigenous or Multiple race category.

Source: Home Mortgage Disclosure Act

Credit Denials

Ratio of denial rates for mortgages between white borrowers and borrowers of color, 2022

For first-lien owner-occupied home purchases of 1-4 unit dwellings

Note: If White borrowers and borrowers of Color were denied mortgages at the same rate we would expect to see a ratio equal to 1. Values under 1 indicate that borrowers of Color have higher denial rates than White borrowers.

Source: Home Mortgage Disclosure Act

Housing Cost Burden

Renter households paying more than 30% of their monthly income in rent, 2018-22

Note: Categories are not mutually exclusive. People identifying as Hispanic may also be represented in other bars except white. Households paying more than 30 percent of their monthly income in housing costs are considered to be cost burdened.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Household Income

Distribution of households by income level relative to the area median income, 2018-22

Note: Income categories reflect HUD Income Limits by household size for 2022.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Change in Household Income

Change in households by income level relative to the area median income, 2008-12 to 2018-22

Note: Incomes are in 2022 dollars. Income categories reflect HUD Income Limits by household size for 2022.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Renter Housing Supply by Cost

Renter housing units by monthly housing cost, 2018-22

Note: Rental costs include the contractual monthly rent payment plus any additional costs to the tenant for utilities and fees.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Change in Renter Housing Supply by Cost

Change in renter housing units by monthly housing cost, 2008-12 to 2018-22

Note: Costs are in 2022 dollars. Rental costs include the contractual monthly rent payment plus any additional costs to the tenant for utilities and fees.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Housing Cost Burden

Renter households paying more than 30% of their monthly income in rent, 2018-22

Note: Households paying more than 30 percent of their monthly income in housing costs are considered to be cost burdened.

Source: American Community Survey

Deeply Affordable Units

Estimated number of public housing units and vouchers relative to renter households with incomes below 30% of area median, 2018-22

Note: Estimated number of units and vouchers is for 2022. Vouchers include federally-funded Housing Choice Vouchers and locally-funded vouchers where information was available. Income is for 2018-22 and based on the 2022 HUD Income Limits by family size.

Source: American Community Survey Public Use Microdata Sample (PUMS); HUD Picture of Subsidized Households 2022; and HUD HCVP Power BI Dashboard

Need for Accessible Units

Number of households with one or more people with a disability by income level relative to the area median, 2018-22

Note: Income categories reflect HUD Income Limits by household size for 2022. People will a disability includes those with cognitive disabilities, physical or self-care disabilities, ambulatory disabilities, independent living difficulties, vision disabilities, or hearing disabilities.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Homeowner Housing Supply by Cost

Owner housing units by monthly housing cost for a first-time homebuyer, 2018-22

Note: Costs for owner housing were calculated as the monthly payment for a 30-year fixed rate mortgage for 90 percent of the market value to the unit, along with estimates of other monthly costs including mortgage insurance, taxes, utilities, and fees.

Source: American Community Survey Public Use Microdata Sample (PUMS)

Affordable Homebuying

Share of mortgage originations to households with moderate incomes and below, 2022

For first-lien owner-occupied home purchases of 1-4 unit dwellings

Source: Home Mortgage Disclosure Act

Potential Homebuyers

Number of potential homebuyers with low or moderate incomes by race and ethnicity, 2018-22

For renter households with a head of household age 45 years or younger and incomes between 50-120% of AMI

Note: Categories are mutually exclusive, borrowers identifying as Hispanic are not also represented in a race category. Income categories reflect HUD Income Limits by household size for 2022. Renter households with a head of household under age 22 were excluded.

Source: American Community Survey Public Use Microdata Sample (PUMS)