Maryland loan limits 2026
5 of 24 counties in Maryland are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,249,125 in 4 counties, including Charles County, Frederick County, Montgomery County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
All counties
| Charles County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Frederick County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Montgomery County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Prince George'S County | $1,249,125 | +3.3% | $1,249,125 | $1,198,000 | $2,438 |
| Calvert County | $1,209,750 | 0% | $541,287 | $450,000 | $1,890 |
| Allegany County | $832,750 | +3.3% | $541,287 | $187,000 | $1,014 |
| Anne Arundel County | $832,750 | +3.3% | $747,500 | $650,000 | $2,006 |
| Baltimore City | $832,750 | +3.3% | $747,500 | $650,000 | $2,006 |
| Baltimore County | $832,750 | +3.3% | $747,500 | $650,000 | $2,006 |
| Caroline County | $832,750 | +3.3% | $541,287 | $275,000 | $1,320 |
| Carroll County | $832,750 | +3.3% | $747,500 | $650,000 | $2,006 |
| Cecil County | $832,750 | +3.3% | $630,200 | $548,000 | $1,860 |
| Dorchester County | $832,750 | +3.3% | $541,287 | $250,000 | $1,159 |
| Garrett County | $832,750 | +3.3% | $541,287 | $220,000 | $1,014 |
| Harford County | $832,750 | +3.3% | $747,500 | $650,000 | $2,006 |
| Howard County | $832,750 | +3.3% | $747,500 | $650,000 | $2,006 |
| Kent County | $832,750 | +3.3% | $541,287 | $310,000 | $1,241 |
| Queen Anne'S County | $832,750 | +3.3% | $747,500 | $650,000 | $2,006 |
| Somerset County | $832,750 | +3.3% | $541,287 | $258,000 | $1,144 |
| St. Mary'S County | $832,750 | +3.3% | $541,287 | $450,000 | $1,787 |
| Talbot County | $832,750 | +3.3% | $541,287 | $465,000 | $1,421 |
| Washington County | $832,750 | +3.3% | $541,287 | $300,000 | $1,284 |
| Wicomico County | $832,750 | +3.3% | $541,287 | $258,000 | $1,428 |
| Worcester County | $832,750 | +3.3% | $541,287 | $390,000 | $1,184 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 Maryland for 2026?
$832,750 in most counties; 5 high-cost counties have higher limits, up to $1,249,125 in Charles County.
What is the FHA loan limit in Maryland?
From $541,287 to $1,249,125 for a single-family home in 2026, depending on the county.