St. Mary'S County, Maryland has a 2026 one-unit conforming loan limit of $832,750, which is 2.0 times the county's median home value of $407,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $119,446 (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) | $407,600 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 2.04× |
| Median household income | $119,446 |
| Median home value ÷ income | 3.4× |
| Population | 115,126 |
| Median property tax paid (owners) | $3,424 |
| Effective property tax rate (approx.) | 0.84% |
| Owner-occupied homes | 73.2% |
| Home value rank in Maryland | 11 of 24 counties |
| Neighbor: Calvert County, MD | limit $1,209,750; median home $460,200 |
| Neighbor: Charles County, MD | limit $1,249,125; median home $428,500 |
| Neighbor: Dorchester County, MD | limit $832,750; median home $262,400 |
| Neighbor: Somerset County, MD | limit $832,750; median home $173,200 |
| Neighbor: Northumberland County, VA | limit $832,750; median home $346,800 |
| 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. St. Mary'S County's median home value is 3% below the state median of $419,900 (rank 11 of 24). Among its 6 neighboring counties, Calvert County has the highest median home value ($460,200) and Somerset County the lowest ($173,200); 2 neighbor(s) have a different loan limit. Owners pay a median $3,424 a year in property tax, an effective rate of about 0.84% 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: St. Lucie County, FL
- 2026 conforming loan limit: St. Martin Parish, LA
- 2026 conforming loan limit: St. Mary Parish, LA
- 2026 conforming loan limit: St. Tammany Parish, LA
- 2026 conforming loan limit: St. Thomas Island, VI
- 2026 conforming loan limit: Stafford County, KS
- 2026 conforming loan limit: Stafford County, VA
- 2026 conforming loan limit: Stanislaus County, CA
Last updated 2026-10-16. Data only, not financial or tax advice.