Baltimore City, Maryland has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $229,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,177 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $229,600 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 3.63× |
| Median household income | $62,177 |
| Median home value ÷ income | 3.7× |
| Population | 573,243 |
| Median property tax paid (owners) | $3,354 |
| Effective property tax rate (approx.) | 1.46% |
| Owner-occupied homes | 47.5% |
| Home value rank in Maryland | 22 of 24 counties |
| Neighbor: Anne Arundel County, MD | limit $832,750; median home $467,900 |
| Neighbor: Baltimore County, MD | limit $832,750; median home $349,300 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Baltimore City's median home value is 45% below the state median of $419,900 (rank 22 of 24). Among its 2 neighboring counties, Anne Arundel County has the highest median home value ($467,900) and Baltimore County the lowest ($349,300); all share the same loan limit. Owners pay a median $3,354 a year in property tax, an effective rate of about 1.46% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Baldwin County, AL
- 2026 conforming loan limit: Baldwin County, GA
- 2026 conforming loan limit: Ballard County, KY
- 2026 conforming loan limit: Baltimore County, MD
- 2026 conforming loan limit: Bamberg County, SC
- 2026 conforming loan limit: Bandera County, TX
- 2026 conforming loan limit: Banks County, GA
- 2026 conforming loan limit: Banner County, NE
Last updated 2026-10-16. Data only, not financial or tax advice.