What are the loan limits in each Maryland county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Allegany County | $832,750 | $541,287 | $693,050 | $149,200 |
| Anne Arundel County | $832,750 | $747,500 | $956,950 | $450,300 |
| Baltimore city | $832,750 | $747,500 | $956,950 | $219,300 |
| Baltimore County | $832,750 | $747,500 | $956,950 | $330,000 |
| Calvert County | $1,209,750 | $541,287 | $693,050 | $440,200 |
| Caroline County | $832,750 | $541,287 | $693,050 | $272,400 |
| Carroll County | $832,750 | $747,500 | $956,950 | $406,400 |
| Cecil County | $832,750 | $630,200 | $806,750 | $311,800 |
| Charles County | $1,249,125 | $1,249,125 | $1,599,375 | $402,300 |
| Dorchester County | $832,750 | $541,287 | $693,050 | $252,300 |
| Frederick County | $1,249,125 | $1,249,125 | $1,599,375 | $437,700 |
| Garrett County | $832,750 | $541,287 | $693,050 | $217,000 |
| Harford County | $832,750 | $747,500 | $956,950 | $367,300 |
| Howard County | $832,750 | $747,500 | $956,950 | $576,700 |
| Kent County | $832,750 | $541,287 | $693,050 | $307,100 |
| Montgomery County | $1,249,125 | $1,249,125 | $1,599,375 | $615,200 |
| Prince George's County | $1,249,125 | $1,249,125 | $1,599,375 | $404,300 |
| Queen Anne's County | $832,750 | $747,500 | $956,950 | $441,800 |
| Somerset County | $832,750 | $541,287 | $693,050 | $164,300 |
| St. Mary's County | $832,750 | $541,287 | $693,050 | $390,900 |
| Talbot County | $832,750 | $541,287 | $693,050 | $398,300 |
| Washington County | $832,750 | $541,287 | $693,050 | $275,900 |
| Wicomico County | $832,750 | $541,287 | $693,050 | $238,900 |
| Worcester County | $832,750 | $541,287 | $693,050 | $348,100 |
Which Maryland counties are high-cost areas?
Calvert County, Charles County, Frederick County, Montgomery County, Prince George's County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Maryland
Frequently asked questions
FHA one-unit limits in Maryland start at $541,287. In Montgomery County, the most populous county, it's $1,249,125.
The 2026 one-unit conforming limit in Montgomery County is $1,249,125.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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