Maryland · 2026
Maryland 2026 FHA and conforming loan limits
For a one-unit home in Maryland, the 2026 conforming limit is $832,750 to $1,249,125 and the FHA limit is $541,287 to $1,249,125. FHA limits rose in 23 of 24 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Allegany County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Anne Arundel County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$16,100 |
| Baltimore County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$16,100 |
| Calvert County | $1,209,750 | $1,548,975 | $541,287 | $693,050 | $837,700 | $1,041,125 | −$668,463 |
| Caroline County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Carroll County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$16,100 |
| Cecil County | $832,750 | $1,066,250 | $630,200 | $806,750 | $975,200 | $1,211,950 | +$35,650 |
| Charles County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Dorchester County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Frederick County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Garrett County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Harford County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$16,100 |
| Howard County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$16,100 |
| Kent County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Montgomery County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Prince George's County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Queen Anne's County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$16,100 |
| St. Mary's County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Somerset County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Talbot County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Washington County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Wicomico County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Worcester County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Baltimore city | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$16,100 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 24 counties and county-equivalents.