Maryland conforming loan limits 2026
Maryland has 24 counties. 5 of them sit on a figure above the $832,750 baseline, spread over 2 distinct figures; the highest in the state is $1,249,125.
5 of its 24 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 23 of its 24 counties and 1 stayed the same.
Maryland ranks 39th of 56 jurisdictions by county count, and 2nd by highest limit. Of its counties, 21 sit inside a metropolitan or micropolitan area, across 10 such areas. Counties here share statistical areas with counties on a higher figure in District of Columbia, Virginia and West Virginia.
Figures used in Maryland
- $1,249,125 — 4 counties in Maryland (75 counties in all)
- $1,209,750 — 1 county in Maryland (27 counties in all)
All counties in Maryland
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Allegany County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Anne Arundel County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Baltimore City | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Baltimore County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Calvert County | $1,209,750 | $1,209,750 | $1,149,825 | +0.0% | 27 in all |
| Caroline County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carroll County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cecil County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Charles County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Dorchester County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Frederick County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Garrett County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Harford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Howard County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kent County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montgomery County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Prince George'S County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Queen Anne'S County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Somerset County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| St. Mary'S County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Talbot County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wicomico County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Worcester County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Maryland use the baseline conforming loan limit?
No. 5 of 24 counties are above the $832,750 baseline, and the state's highest limit is $1,249,125.
What counts as a jumbo loan in Maryland?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.