Maryland Loan Limits by County, 2026

How big a loan can your county back?

About these limits

FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.

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.

Choose your county to see the answer.

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CountyHouseholdIncomePriceSavings
More about loan limits
Maryland counties
CountyFHA limit (1 unit)Conforming limit (1 unit)Area
Allegany County$541,287$832,750Floor
Anne Arundel County$747,500$832,750High-cost
Baltimore city$747,500$832,750High-cost
Baltimore County$747,500$832,750High-cost
Calvert County$541,287$1,209,750Floor
Caroline County$541,287$832,750Floor
Carroll County$747,500$832,750High-cost
Cecil County$630,200$832,750High-cost
Charles County$1,249,125$1,249,125High-cost
Dorchester County$541,287$832,750Floor
Frederick County$1,249,125$1,249,125High-cost
Garrett County$541,287$832,750Floor
Harford County$747,500$832,750High-cost
Howard County$747,500$832,750High-cost
Kent County$541,287$832,750Floor
Montgomery County$1,249,125$1,249,125High-cost
Prince George's County$1,249,125$1,249,125High-cost
Queen Anne's County$747,500$832,750High-cost
Somerset County$541,287$832,750Floor
St. Mary's County$541,287$832,750Floor
Talbot County$541,287$832,750Floor
Washington County$541,287$832,750Floor
Wicomico County$541,287$832,750Floor
Worcester County$541,287$832,750Floor

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

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