FHA Loan Limits in Allegany County, Maryland (2026)
In Allegany County — anchored by Allegany County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Allegany County to the edges of Allegany County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Montgomery and Prince Georges Counties.
Affording a home in Allegany County & Allegany County
An FHA buyer near Allegany County faces an estimated $474,000 median, a $16,590 down payment, and — after Maryland's 1.07% property tax — a monthly cost around $3,615. That suits household income of roughly $140,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Allegany County
FHA payments across Allegany County price points — from entry homes near Allegany County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $341,000 | $11,935 | $2,633 |
| Local median — $474,000 | $16,590 | $3,615 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Allegany County too — get notified.
First-time buyers make up much of FHA activity in Allegany County and across Allegany County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $16,590 needed on a median Allegany County home.
Multi-unit FHA limits in Allegany County
Allegany County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Allegany County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Allegany County for 2026?
- In Allegany County (Allegany County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Allegany County with FHA?
- For a median-priced ($474,000) Allegany County home, plan on income around $140,000 at a 31% housing ratio — about $3,615/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Allegany County?
- 3.5% with a 580+ score — roughly $16,590 on a $474,000 Allegany County-area home. Gift funds are allowed.
- Is Allegany County a high-cost FHA area?
- No — Allegany County uses the $541,287 national floor for one unit.