Frederick County, Maryland has a 2026 one-unit conforming loan limit of $1,249,125, which is 2.7 times the county's median home value of $464,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $122,002 (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) | $464,600 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 2.69× |
| Median household income | $122,002 |
| Median home value ÷ income | 3.8× |
| Population | 287,048 |
| Median property tax paid (owners) | $4,584 |
| Effective property tax rate (approx.) | 0.99% |
| Owner-occupied homes | 77.0% |
| Home value rank in Maryland | 4 of 24 counties |
| Neighbor: Carroll County, MD | limit $832,750; median home $434,000 |
| Neighbor: Howard County, MD | limit $832,750; median home $597,900 |
| Neighbor: Montgomery County, MD | limit $1,249,125; median home $640,300 |
| Neighbor: Washington County, MD | limit $832,750; median home $296,100 |
| Neighbor: Adams County, PA | limit $832,750; median home $268,500 |
| Neighbor: Franklin County, PA | limit $832,750; median home $249,800 |
| Neighbor: Loudoun County, VA | limit $1,249,125; median home $743,800 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Frederick County's median home value is 11% above the state median of $419,900 (rank 4 of 24). Among its 7 neighboring counties, Loudoun County has the highest median home value ($743,800) and Franklin County the lowest ($249,800); 5 neighbor(s) have a different loan limit. Owners pay a median $4,584 a year in property tax, an effective rate of about 0.99% 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: Franklin County, VT
- 2026 conforming loan limit: Franklin County, WA
- 2026 conforming loan limit: Franklin Parish, LA
- 2026 conforming loan limit: Frederick County, VA
- 2026 conforming loan limit: Fredericksburg City, VA
- 2026 conforming loan limit: Freeborn County, MN
- 2026 conforming loan limit: Freestone County, TX
- 2026 conforming loan limit: Fremont County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.