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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Current FHA Mortgage Rates in MD - Maryland FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Maryland Mortgages

2022 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 2022 FHA loan limits for each county in Maryland are below.

County Name One Family Two Family Three Family Four Family
Allegany One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Anne Arundel One Family$583,050 Two Family$746,400 Three Family$902,250 Four Family$1,121,250
Baltimore One Family$583,050 Two Family$746,400 Three Family$902,250 Four Family$1,121,250
Baltimore City One Family$583,050 Two Family$746,400 Three Family$902,250 Four Family$1,121,250
Calvert One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Caroline One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carroll One Family$583,050 Two Family$746,400 Three Family$902,250 Four Family$1,121,250
Cecil One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
Charles One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Dorchester One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Frederick One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Garrett One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Harford One Family$583,050 Two Family$746,400 Three Family$902,250 Four Family$1,121,250
Howard One Family$583,050 Two Family$746,400 Three Family$902,250 Four Family$1,121,250
Kent One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montgomery One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Prince George's One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Queen Anne's One Family$583,050 Two Family$746,400 Three Family$902,250 Four Family$1,121,250
Somerset One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Mary's One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Talbot One Family$431,250 Two Family$552,050 Three Family$667,350 Four Family$829,350
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wicomico One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Worcester One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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