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FHA loans in Westminster, MD

Quick answer

The 2026 FHA loan limit in Westminster, MD (Carroll County) is $747,500 for a single-family home, enough for a purchase price up to about $774,000 with 3.5% down. On the $318,100 median home value, that down payment is about $11,134 and the estimated payment is $2,654/month at 7.18%, which needs roughly $114,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $79,431; value-to-income ratio 4.00. Westminster ranks 106 by home value and 69 by population among 138 places in our MD dataset.

What does an FHA loan cost on a typical Westminster home?

ItemWestminster
Median home value (Census ACS)$318,100
Maryland median home value$397,700
Down payment (3.5%)$11,134
Loan incl. 1.75% upfront MIP$312,338
Estimated monthly payment (PITI + MI)$2,654
Income needed (28% / 36%)$114,000 / $89,000
Carroll County 2026 FHA limit (1 unit)$747,500
Max purchase price at the limit$774,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Maryland's 1.00% effective property tax rate (Census ACS), $1,578/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Westminster?

Westminster is in Carroll County where HUD's 2026 one-unit FHA limit is $747,500. With the minimum 3.5% down, that caps the purchase price at about $774,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Westminster median home value of $318,100 is 20% below the Maryland median, and within what the county limit supports.

Which down payment assistance programs can Westminster buyers use?

FHA loans in nearby cities

EldersburgReisterstownOwings MillsRandallstownGarrisonLinganore

FHA loan FAQs for Westminster

Westminster is in Carroll County, where HUD's 2026 FHA limit for a one-unit home is $747,500. With 3.5% down, that supports a purchase price up to about $774,000.

3.5% of $318,100 is about $11,134 with a 580+ credit score (10%, or $31,810, with a 500–579 score), plus closing costs.

At the $318,100 median value (below the Maryland median of $397,700), the estimated payment of $2,654/month at 7.18% needs about $114,000 a year under the 28% housing guideline, or $89,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.