Calvert County, Maryland loan limits 2026
FIPS 24009 · 13 ZIP codes, e.g. 20610, 20615, 20629, 20639, 20657, 20676 · metro area (CBSA) 47900
In Calvert County the 2026 conforming loan limit is $1,209,750 for a single-family home — a high-cost area, 45.3% above the national baseline. The FHA limit is $541,287. Anything above $1,209,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Calvert County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,209,750 | $541,287 | 0% |
| 2 units | $1,548,975 | $693,050 | 0% |
| 3 units | $1,872,225 | $837,700 | 0% |
| 4 units | $2,326,875 | $1,041,125 | 0% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Calvert County is in metro area CBSA 47900; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $149,900 · Calvert County, MD HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $52,800 | $60,300 | $67,850 | $75,350 | $81,400 | $87,450 | $93,450 | $99,500 |
| Extremely low income (30%) | $31,650 | $36,200 | $40,700 | $45,200 | $48,850 | $52,450 | $56,050 | $59,700 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,630/mo | $1,811 | -10% |
| 1 bedroom | $1,666/mo | $1,851 | -10% |
| 2 bedrooms | $1,890/mo | $2,083 | -9.3% |
| 3 bedrooms | $2,617/mo | $2,639 | -0.8% |
| 4 bedrooms | $2,959/mo | $3,106 | -4.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Calvert County, MD HUD Metro FMR Area.
Same metro area
Counties in CBSA 47900 share the same loan limits.
Other counties in Maryland
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Calvert County, MD for 2026?
$1,209,750 for a one-unit property ($1,548,975 for 2 units, $1,872,225 for 3, $2,326,875 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Calvert County?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Calvert County?
A mortgage above $1,209,750 for a single-family home is a jumbo (non-conforming) loan in Calvert County in 2026.
What are the HUD income limits in Calvert County?
For a family of four (FY2026): low income $106,800, very low income $75,350, extremely low income $45,200; area median family income $149,900.
What is the fair market rent in Calvert County?
$1,890 a month for a two-bedroom unit in FY2027 (HUD), $1,666 for one bedroom.