FHA Loan Limits and USDA Eligibility in Maryland
2026 FHA one-unit limits in Maryland range from $541,287 to $1,249,125. About 59% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $133,400 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Maryland
USDA Property Eligibility and Income Limits Map for Maryland
Maryland FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Allegany County | $541,287 | $133,400 |
| Anne Arundel County | $747,500 | $153,550 |
| Baltimore City | $747,500 | $153,550 |
| Baltimore County | $747,500 | $153,550 |
| Calvert County | $541,287 | $153,550 |
| Caroline County | $541,287 | $133,400 |
| Carroll County | $747,500 | $153,550 |
| Cecil County | $630,200 | $141,100 |
| Charles County | $1,249,125 | $153,550 |
| Dorchester County | $541,287 | $133,400 |
| Frederick County | $1,249,125 | $153,550 |
| Garrett County | $541,287 | $133,400 |
| Harford County | $747,500 | $153,550 |
| Howard County | $747,500 | $153,550 |
| Kent County | $541,287 | $133,400 |
| Montgomery County | $1,249,125 | $153,550 |
| Prince George's County | $1,249,125 | $153,550 |
| Queen Anne's County | $747,500 | $153,550 |
| Somerset County | $541,287 | $133,400 |
| St. Mary's County | $541,287 | $153,550 |
| Talbot County | $541,287 | $135,150 |
| Washington County | $541,287 | $133,400 |
| Wicomico County | $541,287 | $133,400 |
| Worcester County | $541,287 | $133,400 |
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