Maryland 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Maryland

Maryland has 24 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Allegany County to a high of $1,867,275 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 ($809,150)
Highest Loan Limit ($1,867,275)

† 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 $420,680 $809,150 view details »
Anne Arundel County $583,050 $1,121,250 view details »
Baltimore County $583,050 $1,121,250 view details »
Calvert County $970,800 $1,867,275 view details »
Caroline County $420,680 $809,150 view details »
Carroll County $583,050 $1,121,250 view details »
Cecil County $477,250 $917,800 view details »
Charles County $970,800 $1,867,275 view details »
Dorchester County $420,680 $809,150 view details »
Frederick County $970,800 $1,867,275 view details »
Garrett County $420,680 $809,150 view details »
Harford County $583,050 $1,121,250 view details »
Howard County $583,050 $1,121,250 view details »
Kent County $420,680 $809,150 view details »
Montgomery County $970,800 $1,867,275 view details »
Prince George's County $970,800 $1,867,275 view details »
Queen Anne's County $583,050 $1,121,250 view details »
St. Mary's County $420,680 $809,150 view details »
Somerset County $420,680 $809,150 view details »
Talbot County $431,250 $829,350 view details »
Washington County $420,680 $809,150 view details »
Wicomico County $420,680 $809,150 view details »
Worcester County $420,680 $809,150 view details »
Baltimore City $583,050 $1,121,250 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 2022, the maximum loan limit in Maryland is $420,680 for a single-family home and $1,867,275 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