Homes for Sale in Havre de Grace, MD: A Buyer's Guide (November 2026)

by Josh Tessier

By Josh Tessier, Lee Tessier Team of eXp Realty

Published: Nov. 10, 2026 | Updated: Nov. 10, 2026

Top photo: "Havre de Grace seaplane base dock" (dock and railroad bridge, April 12, 2026) by Dclemens1971, licensed under CC BY 4.0, via Wikimedia Commons. Cropped, with text added.

⚓ On Nov. 9, 2026, Realtor.com showed 132 homes for sale in Havre de Grace's 21078 ZIP code at $100,000 and up, and Redfin showed 122. The median list price was $449,995 on Realtor.com and $527,490 on Redfin (my math). Inside city limits, the FY2027 property tax rate is $1.5183 per $100 of assessed value. Near the water, check the flood zone and the Chesapeake Bay Critical Area rules before you make an offer.

Thinking about buying in Havre de Grace? Here's what's for sale right now, what homes are listing and selling for, and the waterfront rules, taxes, schools and commute details buyers ask me about.

🏡 See Havre de Grace homes for sale and neighborhood details on my Havre de Grace neighborhood page.

📊 Havre de Grace homes for sale right now

Here's what the two big home search sites showed for ZIP code 21078 on Nov. 9, 2026, counting homes listed at $100,000 and up:

	🔎 Realtor.com	🔎 Redfin
Homes for sale (houses, townhomes, condos, multi-family)	132	122
Median list price (my math)	$449,995	$527,490
Single-family houses	64	69
Townhomes	38	33
Condos	27	17
Multi-family (2-4 units)	3	3

Method: Realtor.com and Redfin searches for ZIP 21078, all home types except land, minimum price $100,000, checked about 1:06 p.m. (Realtor.com) and 1:07 p.m. (Redfin) ET. Medians are my math from each site's list prices. They're asking prices, not sale prices.

Why the two medians don't match: Realtor.com's count includes 33 homes already marked pending or contingent (under contract). Redfin's list includes 28 new-construction builder floor plans, which push its median up. Without those plans, Redfin's median was about $472,445 (my math).

What's selling for? Redfin showed 81 homes sold in 21078 at $100,000 and up with a recorded sale date between Aug. 12 and Nov. 4, 2026. The median sale price was $414,000. One source only (Redfin, sold in the last 90 days, checked Nov. 9).

Price ranges

List price	Realtor.com	Redfin
$100,000 to $299,999	19	12
$300,000 to $499,999	61	44
$500,000 to $749,999	43	53
$750,000 and up	9	13

My math from each site's listings, Nov. 9, 2026. Counts change daily.

A 21078 mailing address doesn't always mean the home is inside the City of Havre de Grace. That matters for taxes (below). Browse what's live on my Havre de Grace neighborhood page.

🧾 Property taxes in Havre de Grace

Rates are per $100 of assessed value for July 1, 2026, to June 30, 2027:

Where the home is	County	City	State	Total
Inside Havre de Grace city limits	$0.8413	$0.565	$0.112	$1.5183
21078 address outside city limits (unincorporated county)	$0.9779	none	$0.112	$1.0899

Sources: SDAT 2026-2027 Tax Rates & Homestead Credit Caps; DLS County and Municipal Real Property Tax Rates, Fiscal 2027; City of Havre de Grace Ordinance 1221. Totals are my math.

🌊 Waterfront extra: property in the City's Critical Area Taxing District pays another $0.044 per $100 (City Code §177-24).
🛡️ Homestead cap: if it's your main home and you apply, the Homestead Tax Credit limits taxable assessment increases to 5% a year for city and county taxes and 10% for state taxes (SDAT).

Example (my math): a home assessed at $400,000 would owe about $6,073 a year inside city limits, $6,249 in the Critical Area Taxing District, or $4,360 outside city limits, before any credits. Check the exact home's assessment and tax class on SDAT's Real Property search.

🌊 Flood zones and the Critical Area: check these first

Havre de Grace sits where the Susquehanna River meets the Chesapeake Bay, so waterfront rules come up more here than anywhere else in Harford.

Flood zones. The City lists the Susquehanna River, Lilly Run, Fountain Run and Gashey's Creek as its flooding sources. The City's Department of Planning can tell you whether a property is in the Special Flood Hazard Area and its estimated Base Flood Elevation: call (410) 939-1800, ext. 1123 or 1120. You can also look up any address on FEMA's Flood Map Service Center.

Standard homeowners insurance doesn't cover flood. If the home is in a high-risk flood zone and you have a government-backed loan, your lender will require flood insurance.
FEMA's current list shows Havre de Grace at Community Rating System Class 7 (15%), a discount on NFIP flood insurance (FEMA Community Status Book: Maryland).
Get a flood quote during your inspection period.

The Chesapeake Bay Critical Area. It covers land within 1,000 feet of tidal waters and tidal wetlands. In Havre de Grace, all private projects in the Critical Area need review by the City's Department of Planning, including building permits, tree removal and shoreline erosion control. What's required depends on the size of the project and whether it's in the 100-foot Buffer along the shoreline. Even new hard surfaces, like a detached garage, can require native plantings to offset them.

👉 Buyer tip: if you plan to add a deck, garage, pool or pier, ask the City's Planning office what's allowed on that lot before you buy.

Historic landmarks. Exterior and structural changes to a locally designated Havre de Grace Historic Landmark need a Certificate of Appropriateness from the Historic Preservation Commission before permits are issued. Ask whether the home has that designation.

🏫 Schools

Harford County Public Schools (HCPS) assigns schools by street address. HCPS's feeder list shows these schools for the Havre de Grace attendance area:

High and middle: Havre de Grace Middle and High School
Elementary schools that feed it: Churchville, Darlington, Havre de Grace and Meadowvale Elementary

Source: HCPS, Feeder Schools by Attendance Area (Education Services update Sept. 20, 2022). A 21078 address can still be zoned to a different school, so check the exact address in the HCPS School and Bus Locator or call HCPS Transportation at 410-638-4092. More: Harford County schools guide.

🚗 Commute and getting around

⏱️ Average commute: 28.4 minutes for workers living in 21078 (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimate, margin ±1.3 minutes, via Census Reporter).
🚌 Commuter bus to Baltimore: MTA Commuter Bus Route 420 (Havre de Grace - Hopkins) starts at Union Ave. and Green St. The first trip on MTA's schedule leaves at 5:25 a.m., stops at the Aberdeen MARC station on US 40, runs through downtown Baltimore, and reaches the Johns Hopkins Hospital area (Monument St. and Wolfe St.) at 6:55 a.m. Check MTA's Route 420 schedule for current times.

Compare towns in my Harford County commute times guide.

📍 A few local spots (checked open Nov. 10, 2026)

🦆 Havre de Grace Decoy Museum, 215 Giles St.: open seven days a week, year round (Mon.-Sat. 10:30 a.m.-4:30 p.m., Sun. noon-4 p.m.). More in my Decoy Museum post.
⛵ Havre de Grace Maritime Museum, 100 Lafayette St.: Wed.-Sat. 10 a.m.-5 p.m., Sun. 1-5 p.m.; closed Mon. and Tue. Check the museum's site for holiday closures.
📚 Havre de Grace Library (Harford County Public Library), 120 N. Union Ave., (410) 939-6700.

Hours are from each place's own website on Nov. 10, 2026. Check before you go.

For what day-to-day life here is like, read living in Havre de Grace, MD and the Havre de Grace Promenade and Concord Point Lighthouse.

🔑 Buying in Havre de Grace: my quick checklist

Get pre-approved so you can move when the right home lists.
Confirm city limits. It changes the tax rate by about $0.43 per $100 (my math).
Check the flood zone and Critical Area for any home near the water, and get a flood quote early.
Ask about plans for the lot (deck, garage, pier) with the City's Planning office.
Check the school assignment for the exact address in the HCPS locator.
Close. In Maryland, a title company handles the closing.

Comparing towns? See Harford County home prices by town and the best places to live in Harford County.

Selling a home first? Start with a free price opinion. You'll get an instant automated home value by email, and then I'll call to set up a time to see your home.

🤝 Want help buying in Havre de Grace?

Tell me your budget, must-haves and how close to the water you want to be, and I'll set up a Havre de Grace search and walk you through the flood and Critical Area questions on any home you like.

👉 See Havre de Grace homes for sale and neighborhood details

📞 Call or text (443) 617-2099 📧 Joshua@leetessier.com 📍 Josh Tessier, Lee Tessier Team of eXp Realty, 2225 Old Emmorton Rd Ste 207, Bel Air, MD 21015

❓ FAQs

How many homes are for sale in Havre de Grace, MD?

On Nov. 9, 2026, Realtor.com showed 132 homes for sale in the 21078 ZIP code at $100,000 and up, and Redfin showed 122. Realtor.com's count included 33 homes already pending or contingent.

What is the median home price in Havre de Grace?

On Nov. 9, 2026, the median list price for 21078 homes at $100,000 and up was $449,995 on Realtor.com and $527,490 on Redfin (my math). Redfin showed a median sale price of $414,000 for homes sold Aug. 12 to Nov. 4, 2026.

What is the property tax rate in Havre de Grace, MD?

For July 2026 to June 2027, homes inside city limits pay $1.5183 per $100 of assessed value: $0.8413 county, $0.565 city and $0.112 state. Homes in the City's Critical Area Taxing District pay $0.044 more. Homes with a 21078 address outside city limits pay the county rate of $1.0899.

Do I need flood insurance in Havre de Grace?

If the home is in a high-risk flood zone and you have a government-backed loan, your lender will require it. Standard homeowners insurance doesn't cover flood. The City's Department of Planning can tell you if a property is in the Special Flood Hazard Area.

What is the Critical Area in Havre de Grace?

It's land within 1,000 feet of tidal waters and tidal wetlands. All private projects there, including building permits, tree removal and shoreline work, need review by the City's Department of Planning.

What schools serve Havre de Grace?

HCPS lists Havre de Grace Middle and High School for the Havre de Grace attendance area, with Churchville, Darlington, Havre de Grace and Meadowvale Elementary feeding it. Check the exact address in the HCPS School and Bus Locator.

Is there a commuter bus from Havre de Grace to Baltimore?

Yes. MTA Commuter Bus Route 420 runs from Havre de Grace to downtown Baltimore and the Johns Hopkins Hospital area, with a stop at the Aberdeen MARC station. Check MTA's schedule for current times.

Follow along for more Harford County news and real estate tips: YouTube | Instagram | Facebook

About the author: Josh Tessier is a Harford County REALTOR® with the Lee Tessier Team at eXp Realty, based in Bel Air. He has been licensed in real estate since 2011 and has personally sold 600+ homes, and the Lee Tessier Team has sold 5,900+. He lives in Harford County and is raising his family here. Call or text (443) 617-2099.

Listing counts and prices change daily. Figures are from Realtor.com and Redfin on Nov. 9, 2026, cover homes listed or sold at $100,000 and up, and aren't a guarantee of what's available. This post is general information, not legal, tax, insurance or lending advice.