Maryland loan limits 2026 by county
In 2026, 5 of the 24 counties in Maryland have a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in 4 counties. FHA limits run from $541,287 to $1,249,125: 12 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Maryland county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Allegany County | $832,750 | $541,287 | Cumberland, MD-WV |
| Anne Arundel County | $832,750 | $747,500 | Baltimore-Columbia-Towson, MD |
| Baltimore County | $832,750 | $747,500 | Baltimore-Columbia-Towson, MD |
| Baltimore city | $832,750 | $747,500 | Baltimore-Columbia-Towson, MD |
| Calvert County | $1,209,750 | $541,287 | Lexington Park, MD |
| Caroline County | $832,750 | $541,287 | Non-Metro |
| Carroll County | $832,750 | $747,500 | Baltimore-Columbia-Towson, MD |
| Cecil County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Charles County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Dorchester County | $832,750 | $541,287 | Cambridge, MD |
| Frederick County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Garrett County | $832,750 | $541,287 | Non-Metro |
| Harford County | $832,750 | $747,500 | Baltimore-Columbia-Towson, MD |
| Howard County | $832,750 | $747,500 | Baltimore-Columbia-Towson, MD |
| Kent County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Prince George's County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Queen Anne's County | $832,750 | $747,500 | Baltimore-Columbia-Towson, MD |
| Somerset County | $832,750 | $541,287 | Salisbury, MD |
| St. Mary's County | $832,750 | $541,287 | Lexington Park, MD |
| Talbot County | $832,750 | $541,287 | Easton, MD |
| Washington County | $832,750 | $541,287 | Hagerstown-Martinsburg, MD-WV |
| Wicomico County | $832,750 | $541,287 | Salisbury, MD |
| Worcester County | $832,750 | $541,287 | Ocean Pines, MD |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Maryland
Charles County ($1,249,125), Frederick County ($1,249,125), Montgomery County ($1,249,125), Prince George's County ($1,249,125) and Anne Arundel County ($747,500). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Maryland
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Maryland fair market rentsHUD Fair Market Rents for every Maryland county, studios to 4 bedrooms.
- Maryland property tax ratesEffective property tax rate for every Maryland county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Maryland loan limits
What are the FHA loan limits in Maryland for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 12 counties are above the national floor of $541,287, led by Charles County ($1,249,125), Frederick County ($1,249,125) and Montgomery County ($1,249,125); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Maryland for 2026?
$832,750 to $1,249,125 for a one-unit home, by county; 5 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Maryland?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,249,125 in Maryland for 2026: 25 percent of that limit minus the entitlement already used.
Which Maryland counties have the highest loan limits?
Conforming: Charles County at $1,249,125. FHA: Charles County at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/maryland. Not lending advice.