Darlington 21034

Harford County, MD · 1,458 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

42affordability /100

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

Payment burden
35.5%
stretched
Days on market
93
daily
Price cuts
0.0%
of active
Valuation
+20.6%
vs assessor
Look up an address
61
/100
stable
warming · balanced · 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

61/ 100SellerBalancedBuyer
Negotiate Hard
Needs 15.5% correction for affordability
DOM: 62d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)40
Supply & Demand (20%)85
Buy vs Rent (15%)100
Cancellation Rate (10%)25
Days on Market (5%)75

Moderate buyer leverage in 21034. Room to negotiate 5-10% below list. Payment burden: 35.5% of median income. Median days on market: 62. Renting is approximately 117% cheaper than buying (price-to-rent ratio: 26.0).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
WARMINGBALANCED

Market is warming with rising prices. Conditions are balanced between buyers and sellers. Prices up 3.8% YoY.

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Market snapshoteach number, once

Median price
$450,756
▴ 3.8% YoY
Days on market
93
daily · zip_data
Median rent
$1,442
ZORI
Investor score
43/100
cash-flow lens
Active listings
2
90-day

Valuation3 lenses, different anchors

vs assessor
+20.6%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$543,500
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$179
Price-to-income5.8×

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How 21034 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

24SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply12.0 mo
Days on Market93d
Inv vs History-60.4%
Listing Density--
Market dynamics
Price cut %0.0%
Momentumwarming
LeverageBALANCED
Months of supply12
Sales (90d)0
Investment analysis
Median rent$1,442
Price-to-rent26.0
Est. cap rate2.5%
Buy vs rentfavors renting

Livability

Walk score4
Transit score—
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