FHA Loan Limits in Baltimore City County, Maryland (2026)
From Baltimore City County, FHA buyers in Baltimore City County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
Every community in Baltimore City County — Baltimore City County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Montgomery and Prince Georges Counties.
What can you buy with FHA in Baltimore City County?
Homes around Baltimore City County carry an estimated local median near $210,000, so an FHA buyer in Baltimore City County puts down about $7,350 (3.5%). With Maryland's 1.07% effective property-tax rate, the all-in payment runs near $1,666 a month — comfortable on household income around $65,000, under Maryland's $98,461 median household income.
FHA payment scenarios in Baltimore City County
Here is what an FHA payment looks like at three Baltimore City County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $151,000 | $5,285 | $1,231 |
| Local median — $210,000 | $7,350 | $1,666 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Baltimore City County too — get notified.
Buyers across Baltimore City County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,350 down payment near Baltimore City County into little out of pocket.
Multi-unit FHA limits in Baltimore City County
Looking at a duplex or fourplex near Baltimore City County? FHA allows up to $692,997 on two units and $1,041,072 on four in Baltimore City County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Baltimore City County for 2026?
- In Baltimore City County (Baltimore City 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 Baltimore City County with FHA?
- For a median-priced ($210,000) Baltimore City County home, plan on income around $65,000 at a 31% housing ratio — about $1,666/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Baltimore City County?
- 3.5% with a 580+ score — roughly $7,350 on a $210,000 Baltimore City County-area home. Gift funds are allowed.
- Is Baltimore City County a high-cost FHA area?
- No — Baltimore City County uses the $541,287 national floor for one unit.