Charles County, Maryland has a 2026 one-unit conforming loan limit of $1,249,125, which is 2.9 times the county's median home value of $428,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $122,816 (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) | $1,249,125 |
| 2-unit limit | $1,599,375 |
| 3-unit limit | $1,933,200 |
| 4-unit limit | $2,402,625 |
| Median home value (ACS 2020–24) | $428,500 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 2.92× |
| Median household income | $122,816 |
| Median home value ÷ income | 3.5× |
| Population | 170,527 |
| Median property tax paid (owners) | $4,339 |
| Effective property tax rate (approx.) | 1.01% |
| Owner-occupied homes | 82.1% |
| Home value rank in Maryland | 8 of 24 counties |
| Neighbor: Calvert County, MD | limit $1,209,750; median home $460,200 |
| Neighbor: Prince George'S County, MD | limit $1,249,125; median home $426,000 |
| Neighbor: St. Mary'S County, MD | limit $832,750; median home $407,600 |
| Neighbor: Fairfax County, VA | limit $1,249,125; median home $732,800 |
| Neighbor: King George County, VA | limit $832,750; median home $428,300 |
| Neighbor: Prince William County, VA | limit $1,249,125; median home $530,100 |
| Neighbor: Stafford County, VA | limit $1,249,125; median home $485,100 |
| Neighbor: Westmoreland County, VA | limit $832,750; median home $269,600 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Charles County's median home value is 2% above the state median of $419,900 (rank 8 of 24). Among its 8 neighboring counties, Fairfax County has the highest median home value ($732,800) and Westmoreland County the lowest ($269,600); 4 neighbor(s) have a different loan limit. Owners pay a median $4,339 a year in property tax, an effective rate of about 1.01% 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: Champaign County, OH
- 2026 conforming loan limit: Chariton County, MO
- 2026 conforming loan limit: Charles City County, VA
- 2026 conforming loan limit: Charles Mix County, SD
- 2026 conforming loan limit: Charleston County, SC
- 2026 conforming loan limit: Charlevoix County, MI
- 2026 conforming loan limit: Charlotte County, FL
- 2026 conforming loan limit: Charlotte County, VA
Last updated 2026-10-16. Data only, not financial or tax advice.