This section is generated from cached city metrics and clearly labeled state-level benchmarks. It is meant to make the Havre de Grace page less generic and more useful for comparing housing, income, utilities, taxes, insurance, demographics, and nearby alternatives.
Affordability Summary
Population is 14,857, so Havre de Grace should be compared with similar-size places before using broader Maryland averages. Median household income is $106,798, so the best affordability read for Havre de Grace is income versus housing, taxes, utilities, and insurance together.
Median home value is $348,800, so ownership costs in Havre de Grace should be checked with mortgage, property tax, insurance, and maintenance assumptions. Two-bedroom rent is $1,314/mo, so renters can compare Havre de Grace against ownership costs and nearby rental markets.
Housing and Income Context
For Havre de Grace, household income runs high enough that housing choice can dominate affordability. Home values sit in a moderate range where taxes and utilities still change the monthly math.
Use the home value, rent, and income fields together before deciding whether Havre de Grace looks more favorable for renting, buying, or comparing with Aberdeen, MD.
Utility Cost Context
The residential electricity benchmark is $0.359/kWh, so Havre de Grace households should treat usage, home size, heating, and cooling as the practical bill drivers. The electricity value shown for Havre de Grace is a Maryland state-level EIA benchmark, so it should not be read as a local provider tariff.
For Havre de Grace, utility planning is stronger when the electric benchmark is paired with home age, square footage, insulation, HVAC equipment, and household occupancy.
Property Tax Context
Median property tax paid is $3,843, so Havre de Grace buyers should still verify parcel-specific tax records before budgeting. Parcel boundaries, exemptions, school districts, and reassessment rules can move the actual bill for a Havre de Grace address.
Compare the property tax field with home value rather than reading it by itself; a lower tax bill can still pair with a different assessment base or exemption profile.
Insurance and Risk Context
Insurance costs in Havre de Grace depend on address-level factors such as roof condition, structure age, coverage limits, claims history, deductible choice, and carrier underwriting.
Home value, tax burden, and insurance exposure should be reviewed together for Havre de Grace, especially when comparing with Aberdeen, MD.
Population and Demographics
Median age is 46.9, so Havre de Grace may have different school, commute, healthcare, and housing demand patterns than a statewide average. Bachelor+ share is 41.3%, so Havre de Grace education context can be useful when reading labor-market and school sections.
Unemployment is 4.4%, so Havre de Grace wage and job-market context should be compared with commute options and regional employment centers.
