Bel Air 21014

Harford County, MD · 14,147 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

60affordability /100

Buyer leverage is seller advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
24.3%
affordable
Days on market
11
daily
Price cuts
18.6%
of active
Valuation
-23.1%
vs assessor
Look up an address
70
/100
stable
warming · seller advantage · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

26/ 100SellerBalancedBuyer
Seller's Market
DOM: 28d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)25
Supply & Demand (20%)40
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)20

Seller-favored market in 21014. Expect to pay at or near list price. Payment burden: 24.3% of median income. Median days on market: 28. Renting is approximately 77% cheaper than buying (price-to-rent ratio: 21.2).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
WARMINGSELLER ADVANTAGE

Market is warming with rising prices. Sellers are firmly in control.

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Market snapshoteach number, once

Median price
$455,787
▴ 1.5% YoY
Days on market
11
daily · zip_data
Median rent
$1,794
ZORI
Investor score
51/100
cash-flow lens
Active listings
61
90-day

Valuation3 lenses, different anchors

vs assessor
-23.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$350,400
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+44.1%
County-wide market — the widest, slowest signal.
Harford+44.1%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$180
Price-to-income4.0×

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How 21014 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

59SUPPLY
Tight MarketSupply Tightness

Supply is below normal — sellers are favored but buyers still have options.

Months of Supply5.6 mo
Days on Market11d
Inv vs History+34.1%
Listing Density--
Market dynamics
Price cut %18.6%
Momentumwarming
LeverageSELLER ADVANTAGE
Months of supply5.6
Sales (90d)0
Investment analysis
Median rent$1,794
Price-to-rent21.2
Est. cap rate3.1%
Buy vs rentfavors renting

Livability

Walk score5
Transit score1
Bike score—

Historical trends

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Harford County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Baltimore Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Harford County