2026 loan limits in Baltimore County, Maryland
In Baltimore County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $747,500.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$747,500High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$774,611Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $747,500 |
| 2 units | $1,066,250 | $956,950 |
| 3 units | $1,288,800 | $1,156,700 |
| 4 units | $1,601,750 | $1,437,500 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Baltimore County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $774,611.
Questions
What is the 2026 conforming loan limit in Baltimore County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Baltimore County?
$747,500 for a one-unit home.
More for Baltimore County
Baltimore County property taxesFHA loan limits toolMaryland closing costsBaldwin 21013 market dataBaltimore 21209 market dataButler 21023 market dataCatonsville 21228 market dataCockeysville 21030 market dataDundalk 21222 market dataEssex 21221 market dataFort Howard 21052 market dataFreeland 21053 market dataGlen Arm 21057 market data
2026 limits from HUD’s county files (Baltimore-Columbia-Towson, Md). Conforming limits are set by the Federal Housing Finance Agency.