Census tract · Harford County
Census Tract 3038.03, Harford County, Maryland
Census Tract 3038.03, GEOID 24025303803, in Harford County, Maryland, mostly within Bel Air, Harford County (77% of its census blocks). 5,323 residents in the ACS 2020-2024 5-year estimates (±451); the 2020 Census counted 5,292.
Residents, 2020-2024
5,323
±451 (90% margin)
2020 Census count: 5,292
Median household income
$83,576
±$16,761 (90% margin)
Harford County: $112,265
Median home value
$337,400
±$24,802 (90% margin)
Harford County: $386,400
Median gross rent
$1,632
±$129 (90% margin)
Harford County: $1,586
Where is Census Tract 3038.03?
Census Tract 3038.03 is one of 59 census tracts in Harford County, Maryland. It covers 1.23 square miles of land, 4,306 residents per square mile in 2020. Its GEOID, 24025303803, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Bel Air, Harford County | 77% |
| Bel Air North | 23% |
4 census tracts border Census Tract 3038.03: Tract 3036.03 ($174,194), Tract 3038.01 ($67,449), Tract 3038.02 ($102,708) and Tract 3039 ($112,396). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 3038.03?
The 2020-2024 American Community Survey puts Census Tract 3038.03's population at 5,323 (±451) in 2,322 households; the 2020 Census counted 5,292 residents and 2,310 housing units.
| Measure | Tract 3038.03 | Bel Air, Harford County |
|---|---|---|
| Total population | 5,323 ±451 | 10,585 |
| Households | 2,322 ±199 | 5,042 |
| Average household size | 2.28 ±0.14 | 2.06 |
| Housing units | 2,431 ±218 | 5,267 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 3038.03?
The median resident of Census Tract 3038.03 is 40.5 years old; 16.0% are under 18 and 21.4% are 65 or older. The largest group is non-Hispanic white residents at 76.2%, then Hispanic or Latino residents (of any race) at 11.6%. 12.1% of residents were born outside the United States.
| Measure | Tract 3038.03 | Bel Air, Harford County |
|---|---|---|
| Median age | 40.5 ±4.1 | 42.6 |
| Under 18 years | 16.0% ±2.5 pts | 15.8% |
| 65 years and over | 21.4% ±4.2 pts | 21.8% |
| Hispanic or Latino (any race) | 11.6% ±6.6 pts | 9.9% |
| White alone, not Hispanic | 76.2% ±7.8 pts | 74.8% |
| Black or African American alone, not Hispanic | 3.7% ±5.4 pts | 4.3% |
| Asian alone, not Hispanic | 5.8% ±4.3 pts | 4.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.3% |
| Two or more races, not Hispanic | 2.2% ±1.5 pts | 4.1% |
| Some other race alone, not Hispanic | 0.5% ±0.7 pts | 1.7% |
| Born outside the United States | 12.1% ±6.7 pts | 11.2% |
| Speak a language other than English at home (age 5+) | 11.6% ±5.2 pts | 11.5% |
| Civilian veterans (age 18+) | 6.8% ±3.1 pts | 6.2% |
| With a disability | 17.8% ±4.8 pts | 15.9% |
| No health insurance coverage | 7.2% ±4.9 pts | 6.4% |
| High school graduate or higher (age 25+) | 92.1% ±6.0 pts | 92.6% |
| Bachelor's degree or higher (age 25+) | 41.3% ±6.3 pts | 43.0% |
| Graduate or professional degree (age 25+) | 16.6% ±5.3 pts | 16.3% |
| Lived in the same house a year earlier | 93.3% ±2.8 pts | 91.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 3038.03 earn?
Half of the 2,322 households in Census Tract 3038.03 earn less than $83,576 a year (±$16,761), against $112,265 across Harford County: 47th highest of the county's 59 tracts with a reliable estimate. 12.8% of residents live below the poverty line.
| Measure | Tract 3038.03 | Bel Air, Harford County |
|---|---|---|
| Median household income | $83,576 ±$16,761 | $74,605 |
| Mean household income | $102,214 ±$12,452 | $96,678 |
| Per capita income | $44,656 ±$5,609 | $46,446 |
| People below the poverty line | 12.8% ±6.9 pts | 13.8% |
| Children under 18 below the poverty line | 5.1% ±8.3 pts | 10.9% |
| Households receiving SNAP | 6.1% ±5.0 pts | 6.9% |
| Households with a computer | 99.3% ±1.1 pts | 96.7% |
| Households with a broadband subscription | 89.0% ±6.3 pts | 88.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 3038.03?
Owners occupy 68.2% of Census Tract 3038.03's occupied homes and renters 31.8%. The median owner-occupied home is valued at $337,400 by its owner (±$24,802). The median renter pays $1,632 a month including utilities, and 43.8% of renters pay 35% or more of their income on rent.
| Measure | Tract 3038.03 | Bel Air, Harford County |
|---|---|---|
| Median home value (owner-occupied) | $337,400 ±$24,802 | $318,400 |
| Median gross rent | $1,632 ±$129 | $1,492 |
| Renters paying 35% or more of income on rent | 43.8% ±18.2 pts | 47.4% |
| Median monthly owner costs, with a mortgage | $1,999 ±$273 | $1,937 |
| Owner-occupied homes | 68.2% ±8.3 pts | 59.2% |
| Renter-occupied homes | 31.8% ±8.3 pts | 40.8% |
| Housing units | 2,431 ±218 | 5,267 |
| Single-family detached homes | 35.3% ±7.4 pts | 34.0% |
| Mobile homes | 0.0% ±1.7 pts | 0.0% |
| Built 2020 or later | 0.5% ±0.9 pts | 0.4% |
| Built 2010 to 2019 | 4.0% ±2.7 pts | 3.7% |
| Built 1939 or earlier | 2.6% ±3.6 pts | 2.9% |
| Households with no vehicle | 3.3% ±2.7 pts | 5.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 3038.03 get to work?
84.8% of Census Tract 3038.03's workers drive alone and 7.2% work from home. The average trip to work takes 28.9 minutes.
| Measure | Tract 3038.03 | Bel Air, Harford County |
|---|---|---|
| In the labor force (age 16+) | 66.6% ±7.8 pts | 65.7% |
| Unemployment rate | 3.7% ±3.1 pts | 4.4% |
| Drove alone to work | 84.8% ±6.0 pts | 81.7% |
| Carpooled | 4.3% ±3.1 pts | 3.5% |
| Public transportation | 0.0% ±1.4 pts | 1.0% |
| Walked | 0.8% ±1.2 pts | 1.4% |
| Worked from home | 7.2% ±4.1 pts | 10.0% |
| Mean travel time to work | 28.9 min ±2.9 | 27.7 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 3038.03 compare with the other tracts in Harford County?
Among Harford County's tracts with a reliable estimate, Census Tract 3038.03 ranks as shown below (1 = highest).
| Measure | In Harford County | In Bel Air, Harford County |
|---|---|---|
| Population | 17th of 59 | 1st of 3 |
| Residents per square mile | 5th of 59 | 1st of 3 |
| Median household income | 47th of 59 | 2nd of 3 |
| Per capita income | 49th of 59 | 3rd of 3 |
| Median home value | 40th of 58 | 2nd of 3 |
| Median gross rent | 25th of 50 | 2nd of 3 |
| Poverty rate | 8th of 27 | 2nd of 2 |
| Bachelor's degree or higher | 33rd of 58 | 2nd of 3 |
| Median age | 35th of 59 | 3rd of 3 |
| Owner-occupied share | 48th of 58 | 2nd of 3 |
The tracts next to it on Harford County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 3028.01 | 44th | $101,296±$10,309 · within the margin of this tract |
| Tract 3011.07 | 45th | $87,841±$13,400 · within the margin of this tract |
| Tract 3036.05 | 46th | $83,583±$34,063 · within the margin of this tract |
| Tract 3038.03 | 47th | $83,576±$16,761 |
| Tract 3024 | 48th | $83,506±$22,755 · within the margin of this tract |
| Tract 3013.01 | 49th | $83,018±$16,625 · within the margin of this tract |
| Tract 3016.01 | 50th | $82,298±$8,619 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 3038.03?
2 of the 18 figures for Census Tract 3038.03 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections