Maryland 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Maryland

Maryland has 24 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Allegany County to a high of $2,326,875 for a 4-bedroom unit in Calvert County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Maryland's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($1,008,300)
Highest Loan Limit ($2,326,875)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Maryland (24 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Allegany County $524,225 $1,008,300 view details »
Anne Arundel County $731,400 $1,406,550 view details »
Baltimore County $731,400 $1,406,550 view details »
Calvert County $1,209,750 $2,326,875 view details »
Caroline County $524,225 $1,008,300 view details »
Carroll County $731,400 $1,406,550 view details »
Cecil County $594,550 $1,143,400 view details »
Charles County $1,209,750 $2,326,875 view details »
Dorchester County $524,225 $1,008,300 view details »
Frederick County $1,209,750 $2,326,875 view details »
Garrett County $524,225 $1,008,300 view details »
Harford County $731,400 $1,406,550 view details »
Howard County $731,400 $1,406,550 view details »
Kent County $524,225 $1,008,300 view details »
Montgomery County $1,209,750 $2,326,875 view details »
Prince George's County $1,209,750 $2,326,875 view details »
Queen Anne's County $731,400 $1,406,550 view details »
St. Mary's County $524,225 $1,008,300 view details »
Somerset County $524,225 $1,008,300 view details »
Talbot County $524,225 $1,008,300 view details »
Washington County $524,225 $1,008,300 view details »
Wicomico County $524,225 $1,008,300 view details »
Worcester County $524,225 $1,008,300 view details »
Baltimore City $731,400 $1,406,550 view details »

How to qualify for an FHA Loan in Maryland?

To qualify for an FHA loan in Maryland, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Maryland is $524,225 for a single-family home and $2,326,875 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Maryland. Additional restricts apply. Click on the Maryland map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/maryland