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2026 Maryland loan limits by county
Maryland has 24 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,249,125 in Prince George's County; the state median is $832,750. 5 of 24 are above the $832,750 national baseline. 12 sit at the 2026 FHA floor of $541,287.
- 24Counties listed
- $1,249,125Highest 1-unit conformingPrince George's County
- $832,750Median 1-unit conforming
- 12At FHA floorof 24
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Allegany County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Anne Arundel County | $832,750 | +$26,250 (+3.3%) | $747,500 | $1,601,750 |
| Baltimore County | $832,750 | +$26,250 (+3.3%) | $747,500 | $1,601,750 |
| Baltimore city | $832,750 | +$26,250 (+3.3%) | $747,500 | $1,601,750 |
| Calvert County | $1,209,750 | no change | $541,287 | $2,326,875 |
| Caroline County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carroll County | $832,750 | +$26,250 (+3.3%) | $747,500 | $1,601,750 |
| Cecil County | $832,750 | +$26,250 (+3.3%) | $630,200 | $1,601,750 |
| Charles County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Dorchester County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Frederick County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Garrett County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harford County | $832,750 | +$26,250 (+3.3%) | $747,500 | $1,601,750 |
| Howard County | $832,750 | +$26,250 (+3.3%) | $747,500 | $1,601,750 |
| Kent County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Prince George's County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Queen Anne's County | $832,750 | +$26,250 (+3.3%) | $747,500 | $1,601,750 |
| Somerset County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Mary's County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Talbot County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wicomico County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Worcester County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.