Montgomery County, Maryland has a 2026 one-unit conforming loan limit of $1,249,125, which is 2.0 times the county's median home value of $640,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $132,450 (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) | $640,300 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 1.95× |
| Median household income | $132,450 |
| Median home value ÷ income | 4.8× |
| Population | 1,065,949 |
| Median property tax paid (owners) | $5,539 |
| Effective property tax rate (approx.) | 0.87% |
| Owner-occupied homes | 65.3% |
| Home value rank in Maryland | 1 of 24 counties |
| Neighbor: District Of Columbia, DC | limit $1,249,125; median home $737,100 |
| Neighbor: Frederick County, MD | limit $1,249,125; median home $464,600 |
| Neighbor: Howard County, MD | limit $832,750; median home $597,900 |
| Neighbor: Prince George'S County, MD | limit $1,249,125; median home $426,000 |
| Neighbor: Arlington County, VA | limit $1,249,125; median home $895,000 |
| Neighbor: Fairfax County, VA | limit $1,249,125; median home $732,800 |
| 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. Montgomery County's median home value is 52% above the state median of $419,900 (rank 1 of 24). Among its 7 neighboring counties, Arlington County has the highest median home value ($895,000) and Prince George'S County the lowest ($426,000); 1 neighbor(s) have a different loan limit. Owners pay a median $5,539 a year in property tax, an effective rate of about 0.87% 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: Montgomery County, IN
- 2026 conforming loan limit: Montgomery County, KS
- 2026 conforming loan limit: Montgomery County, KY
- 2026 conforming loan limit: Montgomery County, MO
- 2026 conforming loan limit: Montgomery County, MS
- 2026 conforming loan limit: Montgomery County, NC
- 2026 conforming loan limit: Montgomery County, NY
- 2026 conforming loan limit: Montgomery County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.