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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

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$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Anne Arundel One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Baltimore One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Baltimore City One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Calvert One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Caroline One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carroll One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Cecil One Family$557,750 Two Family$714,000 Three Family$863,100 Four Family$1,072,600
Charles One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Dorchester One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Frederick One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Garrett One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harford One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Howard One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Kent One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Prince George's One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Queen Anne's One Family$667,000 Two Family$853,900 Three Family$1,032,150 Four Family$1,282,700
Somerset One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Mary's One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Talbot One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wicomico One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Worcester One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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