FHA Loan Limits in Anne Arundel County, Maryland (2026)
In Anne Arundel County — anchored by Anne Arundel 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 |
These 2026 limits apply throughout Anne Arundel County, from Anne Arundel County outward, and sit alongside the limits set for neighboring Montgomery and Prince Georges Counties.
Affording a home in Anne Arundel County & Anne Arundel County
Homes around Anne Arundel County carry an estimated local median near $500,000, so an FHA buyer in Anne Arundel County puts down about $17,500 (3.5%). With Maryland's 1.07% effective property-tax rate, the all-in payment runs near $3,806 a month — comfortable on household income around $147,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Anne Arundel County
Whether you are buying in Anne Arundel County or a smaller Anne Arundel County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $360,000 | $12,600 | $2,773 |
| Local median — $500,000 | $17,500 | $3,806 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Anne Arundel County too — get notified.
In Anne Arundel County and the surrounding Anne Arundel County market, FHA's appeal is the math: $17,500 down on a $500,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Anne Arundel County
Investors and house-hackers in Anne Arundel County and across Anne Arundel County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Anne Arundel County for 2026?
- In Anne Arundel County (Anne Arundel 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 Anne Arundel County with FHA?
- For a median-priced ($500,000) Anne Arundel County home, plan on income around $147,000 at a 31% housing ratio — about $3,806/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Anne Arundel County?
- 3.5% with a 580+ score — roughly $17,500 on a $500,000 Anne Arundel County-area home. Gift funds are allowed.
- Is Anne Arundel County a high-cost FHA area?
- No — Anne Arundel County uses the $541,287 national floor for one unit.