2026 conforming loan limits
2026 conforming loan limits in Maryland
Maryland has 24 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Maryland is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,249,125.
Every county/equivalent in Maryland
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Allegany County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Anne Arundel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Baltimore City | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Baltimore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calvert County | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | High-cost area |
| Caroline County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cecil County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Charles County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Dorchester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Frederick County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Garrett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Harford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Howard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kent County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montgomery County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Prince George'S County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Queen Anne'S County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Somerset County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Mary'S County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Talbot County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wicomico County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Worcester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Maryland (MD).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Maryland: 24. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
Related
Next step
Talk through your conventional loan scenario
Answer a few planning questions. Your request is stored for review by Bolt Home Loans, or call 844-777-BOLT for direct assistance.
Educational request only. Not an application, approval, preapproval, rate lock, or commitment to lend. Bolt Home Loans LLC, NMLS 2784913. Equal Housing Opportunity.