Harford County, Maryland loan limits 2026
FIPS 24025 · 21 ZIP codes, e.g. 21001, 21005, 21009, 21010, 21014, 21015 · metro area (CBSA) 12580
In Harford County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $747,500. Anything above $832,750 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 Harford 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) | $832,750 | $747,500 | +3.3% |
| 2 units | $1,066,250 | $956,950 | +3.3% |
| 3 units | $1,288,800 | $1,156,700 | +3.3% |
| 4 units | $1,601,750 | $1,437,500 | +3.3% |
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. Harford County is in metro area CBSA 12580; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $134,000 · Baltimore-Columbia-Towson, MD MSA
| 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%) | $46,900 | $53,600 | $60,300 | $67,000 | $72,400 | $77,750 | $83,100 | $88,450 |
| Extremely low income (30%) | $28,150 | $32,200 | $36,200 | $40,200 | $43,450 | $46,650 | $50,040 | $55,720 |
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 | $1,523/mo | $1,362 | +11.8% |
| 1 bedroom | $1,625/mo | $1,511 | +7.5% |
| 2 bedrooms | $2,006/mo | $1,857 | +8% |
| 3 bedrooms | $2,509/mo | $2,358 | +6.4% |
| 4 bedrooms | $2,789/mo | $2,611 | +6.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Baltimore-Columbia-Towson, MD MSA.
Same metro area
Counties in CBSA 12580 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 Harford County, MD for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Harford County?
$747,500 for a single-family home in 2026 (HUD), up to $1,437,500 for a four-unit property.
What counts as a jumbo loan in Harford County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Harford County in 2026.
What are the HUD income limits in Harford County?
For a family of four (FY2026): low income $106,800, very low income $67,000, extremely low income $40,200; area median family income $134,000.
What is the fair market rent in Harford County?
$2,006 a month for a two-bedroom unit in FY2027 (HUD), $1,625 for one bedroom.