Bel Air 21015

Harford County, MD · 11,641 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

64affordability /100

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

Payment burden
21.6%
affordable
Days on market
14
daily
Price cuts
24.6%
of active
Valuation
-28.5%
vs assessor
Look up an address
71
/100
stable
stable · 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

36/ 100SellerBalancedBuyer
Seller's Market
DOM: 41d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)40
Supply & Demand (20%)85
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)40

Seller-favored market in 21015. Expect to pay at or near list price. Payment burden: 21.6% of median income. Median days on market: 41. Renting is approximately 53% cheaper than buying (price-to-rent ratio: 18.4).

Buyer Caution

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

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

Market is holding steady with balanced conditions. Sellers are firmly in control.

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Market snapshoteach number, once

Median price
$489,400
▴ 0.7% YoY
Days on market
14
daily · zip_data
Median rent
$2,211
ZORI
Investor score
57/100
cash-flow lens
Active listings
66
90-day

Valuation3 lenses, different anchors

vs assessor
-28.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$350,000
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$181
Price-to-income3.6×

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How 21015 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

45SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply8.9 mo
Days on Market14d
Inv vs History+20.2%
Listing Density--
Market dynamics
Price cut %24.6%
Momentumstable
LeverageSELLER ADVANTAGE
Months of supply8.9
Sales (90d)0
Investment analysis
Median rent$2,211
Price-to-rent18.4
Est. cap rate3.5%
Buy vs rentneutral

Livability

Walk score1
Transit score2
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