Maryland 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Maryland

Maryland has 24 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Allegany County to a high of $2,095,200 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 ($907,900) †

Highest Loan Limit ($2,095,200)

† 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	$472,030	$907,900	view details »
Anne Arundel County	$632,500	$1,216,350	view details »
Baltimore County	$632,500	$1,216,350	view details »
Calvert County	$1,089,300	$2,095,200	view details »
Caroline County	$472,030	$907,900	view details »
Carroll County	$632,500	$1,216,350	view details »
Cecil County	$529,000	$1,017,300	view details »
Charles County	$1,089,300	$2,095,200	view details »
Dorchester County	$472,030	$907,900	view details »
Frederick County	$1,089,300	$2,095,200	view details »
Garrett County	$472,030	$907,900	view details »
Harford County	$632,500	$1,216,350	view details »
Howard County	$632,500	$1,216,350	view details »
Kent County	$472,030	$907,900	view details »
Montgomery County	$1,089,300	$2,095,200	view details »
Prince George's County	$1,089,300	$2,095,200	view details »
Queen Anne's County	$632,500	$1,216,350	view details »
St. Mary's County	$472,030	$907,900	view details »
Somerset County	$472,030	$907,900	view details »
Talbot County	$472,030	$907,900	view details »
Washington County	$472,030	$907,900	view details »
Wicomico County	$472,030	$907,900	view details »
Worcester County	$472,030	$907,900	view details »
Baltimore City	$632,500	$1,216,350	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 2023, the maximum loan limit in Maryland is $472,030 for a single-family home and $2,095,200 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.

Maryland 2023 FHA Loan Limits

Loan Limits in Maryland

Loan Limits by County in Maryland (24 counties)

How to qualify for an FHA Loan in Maryland?

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