Buying a Home in Charles County, MD (2026): $1,249,125 Limit & Cities

Buying a home in Charles County, MD

Quick answer

Charles County, MD has a 2026 one-unit conforming loan limit of $1,249,125 and an FHA limit of $1,249,125. Explore 3 Census-backed city pages in this county, with home values from $383,100 to $475,800. 0 county-level assistance programs have been verified.

What do homes cost across Charles County?

City	Population	Median home value
Waldorf	82,541	$383,100
Bensville	14,792	$475,800
La Plata	10,470	$405,200

What assistance is available in Charles County?

MMP 1st Time Advantage 6000 — $6,000 loan for down payment and closing costs; deferred; state-level. Maryland Department of Housing and Community Development · Verified October 23, 2026
MMP HomeStart — 0% interest, 30-year deferred loan equal to 6% of the MMP first-lien loan amount; deferred; state-level. Maryland Department of Housing and Community Development · Verified October 23, 2026

All 1–4 unit county loan limits

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.