2026 loan limits in Maryland
5 of Maryland’s 24 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Allegany County | $832,750 | $541,287 |
| Anne Arundel County | $832,750 | $747,500 |
| Baltimore (city) | $832,750 | $747,500 |
| Baltimore County | $832,750 | $747,500 |
| Calvert County | $1,209,750 | $541,287 |
| Caroline County | $832,750 | $541,287 |
| Carroll County | $832,750 | $747,500 |
| Cecil County | $832,750 | $630,200 |
| Charles County | $1,249,125 | $1,249,125 |
| Dorchester County | $832,750 | $541,287 |
| Frederick County | $1,249,125 | $1,249,125 |
| Garrett County | $832,750 | $541,287 |
| Harford County | $832,750 | $747,500 |
| Howard County | $832,750 | $747,500 |
| Kent County | $832,750 | $541,287 |
| Montgomery County | $1,249,125 | $1,249,125 |
| Prince George's County | $1,249,125 | $1,249,125 |
| Queen Anne's County | $832,750 | $747,500 |
| Somerset County | $832,750 | $541,287 |
| St. Mary's County | $832,750 | $541,287 |
| Talbot County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wicomico County | $832,750 | $541,287 |
| Worcester County | $832,750 | $541,287 |
More for Maryland
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.