Caroline County, Maryland has a 2026 one-unit conforming loan limit of $832,750, which is 2.9 times the county's median home value of $290,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,457 (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) | $290,100 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 2.87× |
| Median household income | $68,457 |
| Median home value ÷ income | 4.2× |
| Population | 33,669 |
| Median property tax paid (owners) | $2,619 |
| Effective property tax rate (approx.) | 0.90% |
| Owner-occupied homes | 71.9% |
| Home value rank in Maryland | 18 of 24 counties |
| Neighbor: Kent County, DE | limit $832,750; median home $316,600 |
| Neighbor: Sussex County, DE | limit $832,750; median home $382,600 |
| Neighbor: Dorchester County, MD | limit $832,750; median home $262,400 |
| Neighbor: Queen Anne'S County, MD | limit $832,750; median home $462,700 |
| Neighbor: Talbot County, MD | limit $832,750; median home $409,700 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Caroline County's median home value is 31% below the state median of $419,900 (rank 18 of 24). Among its 5 neighboring counties, Queen Anne'S County has the highest median home value ($462,700) and Dorchester County the lowest ($262,400); all share the same loan limit. Owners pay a median $2,619 a year in property tax, an effective rate of about 0.90% 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: Carlisle County, KY
- 2026 conforming loan limit: Carlton County, MN
- 2026 conforming loan limit: Carolina Municipio, PR
- 2026 conforming loan limit: Caroline County, VA
- 2026 conforming loan limit: Carroll County, AR
- 2026 conforming loan limit: Carroll County, GA
- 2026 conforming loan limit: Carroll County, IA
- 2026 conforming loan limit: Carroll County, IL
Last updated 2026-10-16. Data only, not financial or tax advice.