Garrett County, Maryland has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $235,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $67,688 (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) | $235,300 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 3.54× |
| Median household income | $67,688 |
| Median home value ÷ income | 3.5× |
| Population | 28,615 |
| Median property tax paid (owners) | $1,836 |
| Effective property tax rate (approx.) | 0.78% |
| Owner-occupied homes | 79.7% |
| Home value rank in Maryland | 21 of 24 counties |
| Neighbor: Allegany County, MD | limit $832,750; median home $154,900 |
| Neighbor: Fayette County, PA | limit $832,750; median home $143,200 |
| Neighbor: Somerset County, PA | limit $832,750; median home $150,600 |
| Neighbor: Grant County, WV | limit $832,750; median home $175,100 |
| Neighbor: Mineral County, WV | limit $832,750; median home $180,400 |
| Neighbor: Preston County, WV | limit $832,750; median home $162,800 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Garrett County's median home value is 44% below the state median of $419,900 (rank 21 of 24). Among its 6 neighboring counties, Mineral County has the highest median home value ($180,400) and Fayette County the lowest ($143,200); all share the same loan limit. Owners pay a median $1,836 a year in property tax, an effective rate of about 0.78% 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
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- 2026 conforming loan limit: Gaston County, NC
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Last updated 2026-10-16. Data only, not financial or tax advice.