Maryland Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 24 counties in Maryland. FHA limits in this state range from $541,287 to $811,931, while conforming limits range from $832,750 to $1,249,125.
2026 Loan Limits by County in Maryland
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Allegany County | $541,287 | $832,750 | $154,900 |
| 2 | Anne Arundel County | $541,287 | $832,750 | $467,900 |
| 3 | Baltimore County | $541,287 | $832,750 | $349,300 |
| 4 | Baltimore city | $541,287 | $832,750 | $229,600 |
| 5 | Calvert County | $786,337 | $1,209,750 | $460,200 |
| 6 | Caroline County | $541,287 | $832,750 | $290,100 |
| 7 | Carroll County | $541,287 | $832,750 | $434,000 |
| 8 | Cecil County | $541,287 | $832,750 | $343,400 |
| 9 | Charles County | $811,931 | $1,249,125 | $428,500 |
| 10 | Dorchester County | $541,287 | $832,750 | $262,400 |
| 11 | Frederick County | $811,931 | $1,249,125 | $464,600 |
| 12 | Garrett County | $541,287 | $832,750 | $235,300 |
| 13 | Harford County | $541,287 | $832,750 | $386,400 |
| 14 | Howard County | $541,287 | $832,750 | $597,900 |
| 15 | Kent County | $541,287 | $832,750 | $330,900 |
| 16 | Montgomery County | $811,931 | $1,249,125 | $640,300 |
| 17 | Prince George's County | $811,931 | $1,249,125 | $426,000 |
| 18 | Queen Anne's County | $541,287 | $832,750 | $462,700 |
| 19 | Somerset County | $541,287 | $832,750 | $173,200 |
| 20 | St. Mary's County | $541,287 | $832,750 | $407,600 |
| 21 | Talbot County | $541,287 | $832,750 | $409,700 |
| 22 | Washington County | $541,287 | $832,750 | $296,100 |
| 23 | Wicomico County | $541,287 | $832,750 | $254,700 |
| 24 | Worcester County | $541,287 | $832,750 | $374,700 |
About Maryland's Mortgage Market
Maryland has 24 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Maryland range from $541,287 to $811,931 for a single-family home. Conforming limits range from $832,750 to $1,249,125.
Use our mortgage calculator to compute monthly payments using Maryland-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Maryland?
The highest 2026 FHA limit in Maryland is $811,931 for a single-family home.
What is the maximum conforming loan limit in Maryland?
The highest 2026 conforming loan limit in Maryland is $1,249,125 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Maryland?
Maryland has 24 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.