Maryland Loan Limits by County, 2026
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 24 Maryland counties. 12 counties are high-cost areas with FHA limits above the national floor.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Allegany County | $541,287 | $832,750 | Floor |
| Anne Arundel County | $747,500 | $832,750 | High-cost |
| Baltimore city | $747,500 | $832,750 | High-cost |
| Baltimore County | $747,500 | $832,750 | High-cost |
| Calvert County | $541,287 | $1,209,750 | Floor |
| Caroline County | $541,287 | $832,750 | Floor |
| Carroll County | $747,500 | $832,750 | High-cost |
| Cecil County | $630,200 | $832,750 | High-cost |
| Charles County | $1,249,125 | $1,249,125 | High-cost |
| Dorchester County | $541,287 | $832,750 | Floor |
| Frederick County | $1,249,125 | $1,249,125 | High-cost |
| Garrett County | $541,287 | $832,750 | Floor |
| Harford County | $747,500 | $832,750 | High-cost |
| Howard County | $747,500 | $832,750 | High-cost |
| Kent County | $541,287 | $832,750 | Floor |
| Montgomery County | $1,249,125 | $1,249,125 | High-cost |
| Prince George's County | $1,249,125 | $1,249,125 | High-cost |
| Queen Anne's County | $747,500 | $832,750 | High-cost |
| Somerset County | $541,287 | $832,750 | Floor |
| St. Mary's County | $541,287 | $832,750 | Floor |
| Talbot County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Wicomico County | $541,287 | $832,750 | Floor |
| Worcester County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.