2026 Conforming Loan Limits in Maryland

Name: 2026 Conforming Loan Limits in Maryland
Creator: Federal Housing Finance Agency

Maryland has 24 counties with conforming loan limits, including 5 high-cost areas. Limits range from $832,750 to $1,249,125.

County	1-Unit Limit	2-Unit Limit	3-Unit Limit	4-Unit Limit
CHARLES COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
FREDERICK COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
MONTGOMERY COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
PRINCE GEORGE'S COUNTYHigh-Cost	$1,249,125	$1,599,375	$1,933,200	$2,402,625
CALVERT COUNTYHigh-Cost	$1,209,750	$1,548,975	$1,872,225	$2,326,875
HOWARD COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
KENT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
QUEEN ANNE'S COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ST. MARY'S COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
SOMERSET COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
TALBOT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WASHINGTON COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WICOMICO COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
WORCESTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BALTIMORE CITY	$832,750	$1,066,250	$1,288,800	$1,601,750
ALLEGANY COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
ANNE ARUNDEL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
BALTIMORE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CARROLL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CAROLINE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
CECIL COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
DORCHESTER COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
GARRETT COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
HARFORD COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750

Source: Federal Housing Finance Agency (FHFA). Sorted by 1-unit limit descending. High-cost areas highlighted.

More Maryland Resources

Maryland Refinance Guide Maryland Calculator Compare Lenders

Loan limits are set by the FHFA and may change annually. This page is for educational purposes only. Consult a licensed mortgage professional for guidance. Wirly is not a lender or mortgage broker.