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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in MD - Maryland FHA Mortgage

Maryland Mortgages

2024 FHA Loan Limits for Maryland

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Maryland are below.

Select County
County Name One Family Two Family Three Family Four Family
Allegany One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Anne Arundel One Family$731,400 Two Family$936,300 Three Family$1,131,800 Four Family$1,406,550
Baltimore One Family$731,400 Two Family$936,300 Three Family$1,131,800 Four Family$1,406,550
Baltimore City One Family$731,400 Two Family$936,300 Three Family$1,131,800 Four Family$1,406,550
Calvert One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Caroline One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$731,400 Two Family$936,300 Three Family$1,131,800 Four Family$1,406,550
Cecil One Family$594,550 Two Family$761,150 Three Family$920,050 Four Family$1,143,400
Charles One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Dorchester One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Frederick One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Garrett One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harford One Family$731,400 Two Family$936,300 Three Family$1,131,800 Four Family$1,406,550
Howard One Family$731,400 Two Family$936,300 Three Family$1,131,800 Four Family$1,406,550
Kent One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Prince George's One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Queen Anne's One Family$731,400 Two Family$936,300 Three Family$1,131,800 Four Family$1,406,550
Somerset One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
St. Mary's One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Talbot One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wicomico One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Worcester One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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