Washington County, Maryland has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $296,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $77,747 (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) | $296,100 |
| Maryland median home value | $419,900 |
| Limit ÷ median home value | 2.81× |
| Median household income | $77,747 |
| Median home value ÷ income | 3.8× |
| Population | 155,709 |
| Median property tax paid (owners) | $2,481 |
| Effective property tax rate (approx.) | 0.84% |
| Owner-occupied homes | 66.8% |
| Home value rank in Maryland | 17 of 24 counties |
| Neighbor: Allegany County, MD | limit $832,750; median home $154,900 |
| Neighbor: Frederick County, MD | limit $1,249,125; median home $464,600 |
| Neighbor: Franklin County, PA | limit $832,750; median home $249,800 |
| Neighbor: Fulton County, PA | limit $832,750; median home $208,500 |
| Neighbor: Loudoun County, VA | limit $1,249,125; median home $743,800 |
| Neighbor: Berkeley County, WV | limit $832,750; median home $266,300 |
| Neighbor: Jefferson County, WV | limit $1,249,125; median home $350,800 |
| Neighbor: Morgan County, WV | limit $832,750; median home $240,600 |
Across Maryland's 24 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 5 high-cost counties. Washington County's median home value is 29% below the state median of $419,900 (rank 17 of 24). Among its 8 neighboring counties, Loudoun County has the highest median home value ($743,800) and Allegany County the lowest ($154,900); 3 neighbor(s) have a different loan limit. Owners pay a median $2,481 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: Washington County, IN
- 2026 conforming loan limit: Washington County, KS
- 2026 conforming loan limit: Washington County, KY
- 2026 conforming loan limit: Washington County, ME
- 2026 conforming loan limit: Washington County, MN
- 2026 conforming loan limit: Washington County, MO
- 2026 conforming loan limit: Washington County, MS
- 2026 conforming loan limit: Washington County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.