HomeMarylandHarford CountyHavre de Grace
Havre de Grace, Maryland: commercial real estate data.
Havre de Grace is a Census city of 14,994 people across 5.94 square miles of land, in Harford County. Median household income is $105,817, 71.6 percent of occupied homes are owned, and the SBA record carries 26 7(a) approvals to borrowers here worth $10.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Havre de Grace
What Havre de Grace is
- Census place typecity
- Land area5.94 sq mi
- Water area0.43 sq mi
- Population per square mile of land2,525
- County holding the largest share of its areaHarford County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Havre de Grace
How many people live in Havre de Grace
- Population14,994
- Median age45.1
- Population under 182,818
- Share under 1818.8 percent
- Population 65 and over3,293
- Share 65 and over22.0 percent
- Households6,429
- Family households4,092
- Share of households that are families63.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Havre de Grace
Income and work in Havre de Grace
- Median household income$105,817
- Per capita income$53,916
- Civilian labor force8,076
- Employed7,738
- Unemployed338 plus or minus 182
- Unemployment rate4.2 percent plus or minus 2.2
- Adults 25 and over11,175
- Adults 25 and over with a high school diploma or higher94.2 percent
- Adults 25 and over with a bachelor degree or higher42.5 percent
- Adults 25 and over with a graduate degree21.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Havre de Grace
Housing in Havre de Grace
- Housing units6,660
- Occupied units6,429
- Vacant units231 plus or minus 152
- Vacancy rate3.5 percent plus or minus 2.3
- Owner occupied4,605
- Renter occupied1,824
- Ownership rate71.6 percent
- Median owner-occupied home value$392,900
- Median gross rent, monthly$1,416
- Annual rent as a share of median income16.1 percent
- Single family units4,969
- Share single family74.6 percent
- Units in buildings of two or more1,691
- Share in buildings of two or more25.4 percent
- Mobile homes0
- Median year structure built1992
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Havre de Grace
How Havre de Grace gets to work
- Workers 16 and over who commute6,076
- Commuting under 15 minutes1,541 plus or minus 338
- Share commuting under 15 minutes25.4 percent plus or minus 5.1
- Commuting 30 minutes or more2,207
- Share commuting 30 minutes or more36.3 percent
- Drove alone64.4 percent
- Carpooled8.3 percent plus or minus 2.7
- Public transport1.2 percent plus or minus 1.0
- Walked2.7 percent plus or minus 1.6
- Worked from home21.1 percent plus or minus 5.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Havre de Grace
SBA loans in Havre de Grace (7(a))
- Approvals26
- Gross approval$10,608,900
- Average approval$408,035
- Median approval$150,000
- Ninetieth percentile approval$732,500
- Largest approval$5,000,000
- Jobs supported212
- Jobs per approval8.2
- Loans with a final outcome6
- Paid in full5
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more3.8 percent
- Share to franchises19.2 percent
- Distinct lenders11
- Distinct industries by NAICS22
Counted by borrower city: approvals to borrowers whose address is in Havre de Grace, in any county, FY2020 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Havre de Grace
Flood risk in Havre de Grace
- NFIP communityCity of Havre De Grace
- NFIP community number240043
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date04/19/16
The City of Havre De Grace participates in the National Flood Insurance Program as community 240043 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Harford County, not Havre de Grace
Harford County context, not Havre de Grace figures
- Establishments in Harford County5,636
- Covered employment, Harford County95,188
- Average annual pay, Harford County$68,533
- Housing units permitted, Harford County803
Every figure in this section is published for Harford County as a whole and is not a measurement of Havre de Grace.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Havre de Grace questions, answered from the record.
How many people live in Havre de Grace, Maryland?
14,994, in 6,429 households. Havre de Grace city covers 5.94 square miles of land, which is 2,525 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Havre de Grace in?
Harford County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Havre de Grace?
$105,817. The median owner-occupied home is valued at $392,900. Median gross rent is $1,416 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Havre de Grace businesses?
26 7(a) approvals totaling $10.6 m since FY2020, across 11 lenders, median approval $150,000. These count approvals to borrowers whose address is in Havre de Grace, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Havre de Grace borrowers get paid back?
No rate is published for Havre de Grace. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Havre de Grace in the National Flood Insurance Program?
Yes. Havre de Grace appears in the FEMA Community Status Book as Havre De Grace, city of, community 240043, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Havre de Grace figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Harford County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Havre de Grace.
Is zoning published for Havre de Grace?
No. Nothing on this page presents parcel level zoning.