Highest FHA limit in Maryland
$1,249,125
In 2026, FHA one-unit limits in Maryland range from $541,287 to $1,249,125 (Charles County). 12 of 24 counties use the national floor.
12 of 24counties at the $541,287 floor
All Maryland counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Charles County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Frederick County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Montgomery County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Prince George's County | $1,249,125 | $1,599,375 | $2,402,625 | $1,249,125 |
| Anne Arundel County | $747,500 | $956,950 | $1,437,500 | $832,750 |
| Baltimore County | $747,500 | $956,950 | $1,437,500 | $832,750 |
| Baltimore city | $747,500 | $956,950 | $1,437,500 | $832,750 |
| Carroll County | $747,500 | $956,950 | $1,437,500 | $832,750 |
| Harford County | $747,500 | $956,950 | $1,437,500 | $832,750 |
| Howard County | $747,500 | $956,950 | $1,437,500 | $832,750 |
| Queen Anne's County | $747,500 | $956,950 | $1,437,500 | $832,750 |
| Cecil County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Allegany County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calvert County | $541,287 | $693,050 | $1,041,125 | $1,209,750 |
| Caroline County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dorchester County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Garrett County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kent County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Somerset County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| St. Mary's County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Talbot County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wicomico County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Worcester County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Maryland for 2026?
In 2026, FHA one-unit limits in Maryland range from $541,287 to $1,249,125 (Charles County). 12 of 24 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.
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