Somerset County, Maryland has a 2026 one-unit conforming loan limit of $832,750, which is 4.8 times the county's median home value of $173,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,943 (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) | $173,200 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 4.81× |
| Median household income | $64,943 |
| Median home value ÷ income | 2.7× |
| Population | 24,822 |
| Median property tax paid (owners) | $1,591 |
| Effective property tax rate (approx.) | 0.92% |
| Owner-occupied homes | 73.1% |
| Home value rank in Maryland | 23 of 24 counties |
| Neighbor: Dorchester County, MD | limit $832,750; median home $262,400 |
| Neighbor: St. Mary'S County, MD | limit $832,750; median home $407,600 |
| Neighbor: Wicomico County, MD | limit $832,750; median home $254,700 |
| Neighbor: Worcester County, MD | limit $832,750; median home $374,700 |
| Neighbor: Accomack County, VA | limit $832,750; median home $204,300 |
| Neighbor: Northumberland County, VA | limit $832,750; median home $346,800 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Somerset County's median home value is 59% below the state median of $419,900 (rank 23 of 24). Among its 6 neighboring counties, St. Mary'S County has the highest median home value ($407,600) and Accomack County the lowest ($204,300); all share the same loan limit. Owners pay a median $1,591 a year in property tax, an effective rate of about 0.92% 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: Snyder County, PA
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- 2026 conforming loan limit: Solano County, CA
- 2026 conforming loan limit: Somerset County, ME
- 2026 conforming loan limit: Somerset County, NJ
- 2026 conforming loan limit: Somerset County, PA
- 2026 conforming loan limit: Somervell County, TX
- 2026 conforming loan limit: Sonoma County, CA
Last updated 2026-10-16. Data only, not financial or tax advice.