Edgewood 21040

Harford County, MD · 7,311 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

69affordability /100

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

Payment burden
18.7%
affordable
Days on market
41
daily
Price cuts
22.7%
of active
Valuation
-55.2%
vs assessor
Look up an address
66
/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

29/ 100SellerBalancedBuyer
Seller's Market
DOM: 35d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)25
Supply & Demand (20%)85
Buy vs Rent (15%)25
Cancellation Rate (10%)0
Days on Market (5%)40

Seller-favored market in 21040. Expect to pay at or near list price. Payment burden: 18.8% of median income. Median days on market: 35. Renting is approximately 6% cheaper than buying (price-to-rent ratio: 12.7).

Buyer Caution

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

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

Market is warming with rising prices. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$268,614
▴ 1.1% YoY
Days on market
41
daily · zip_data
Median rent
$1,760
ZORI
Investor score
82/100
cash-flow lens
Active listings
47
90-day

Valuation3 lenses, different anchors

vs assessor
-55.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$120,300
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$142
Price-to-income3.1×

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How 21040 ranks in MD
percentile vs all MD ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

33SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply10.1 mo
Days on Market41d
Inv vs History+4.8%
Listing Density--
Market dynamics
Price cut %22.7%
Momentumwarming
LeverageBALANCED
Months of supply10.1
Sales (90d)0
Investment analysis
Median rent$1,760
Price-to-rent12.7
Est. cap rate5.1%
Buy vs rentfavors buying

Livability

Walk score2
Transit score3
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