A typical Harford home is worth roughly $110,000
Builders were permitted 1 new home in 2025.
What kind of housing town is Harford?
Read from the numbers below. The page puts what stands out first.
A typical home costs 1.4 years of income
Less than across New York (6.1 years). Try your own numbers below.
That covers a typical Harford home, with $111K to spare.
A two-bedroom rents for about $1,290 a month here, $410 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Harford’s typical property tax (3.36% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,290
Renters already here pay a median of $1,019, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Binghamton, NY MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
1 new home permitted in 2025
Builders were permitted 1 new home in Harford in 2025. Over the past 10 years, Harford has permitted 7 homes in all.
Between the 2010 and 2020 censuses, Harford's population fell by 67 even though 14 new homes were permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. Across New York: 2.2 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 0 | 0 | 0 | — |
| 2025 | 1 | 1 | 0 | $400,000 |
| 2024 | 0 | 0 | 0 | — |
| 2023 | 0 | 0 | 0 | — |
| 2022 | 1 | 1 | 0 | $100,000 |
| 2021 | 2 | 2 | 0 | $498,000 |
| 2020 | 2 | 2 | 0 | $498,000 |
| 2019 | 0 | 0 | 0 | — |
| 2018 | 0 | 0 | 0 | — |
| 2017 | 1 | 1 | 0 | $120,000 |
| 2016 | 0 | 0 | 0 | — |
| 2015 | 1 | 1 | 0 | $185,000 |
| 2014 | 4 | 4 | 0 | $671,000 |
| 2013 | 1 | 1 | 0 | $40,000 |
| 2012 | 3 | 3 | 0 | $665,000 |
| 2011 | 2 | 2 | 0 | $444,000 |
| 2010 | 2 | 2 | 0 | $444,000 |
| 2009 | 2 | 2 | 0 | $444,000 |
| 2008 | 2 | 2 | 0 | $444,000 |
| 2007 | 3 | 3 | 0 | $665,000 |
| 2006 | 1 | 1 | 0 | $222,000 |
| 2005 | 4 | 4 | 0 | $887,000 |
| 2004 | 3 | 3 | 0 | $507,000 |
| 2003 | 1 | 1 | 0 | $350,000 |
| 2002 | 0 | 0 | 0 | — |
| 2001 | 0 | 0 | 0 | — |
| 2000 | 2 | 2 | 0 | $120,000 |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
76% of Harford households own their home
Half of Harford’s homes were built before 1979.
New York: 54% own.
U.S. Census Bureau, American Community Survey 2020-2024 · figures for a place this size carry wide margins of error.
Harford vs. its neighbors
Harford is the least expensive of 3 neighboring towns. Tap one to see its housing page.
Compare more
Typical value: Zillow Home Value Index; * Census median home value where Zillow has none. † FHFA price index change where Zillow has none. Rent: HUD Fair Market Rent. New homes: Census building permits.
On the market in Harford
Listed in the past 60 days. Each opens on the listing site.
Neighbors talk housing
What Harford buyers, sellers and renters are saying.
Your answer becomes a post in Town Square.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers. The calculator is an estimate, not a loan offer.