FHA Loan Limits in Baltimore County, Maryland (2026)
Buying in Baltimore County or elsewhere in Baltimore County? The 2026 FHA single-family limit across the county 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 Baltimore County to the edges of Baltimore County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Montgomery and Prince Georges Counties.
FHA affordability around Baltimore County
With Baltimore County's median sale price estimated near $360,000 (think Baltimore County), the FHA down payment is roughly $12,600. Factoring Maryland property taxes near 1.07%, expect about $2,773 monthly, pointing to income near $107,000 — above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Baltimore County
FHA payments across Baltimore County price points — from entry homes near Baltimore County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $259,000 | $9,065 | $2,028 |
| Local median — $360,000 | $12,600 | $2,773 |
| 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 County too — get notified.
First-time buyers make up much of FHA activity in Baltimore County and across Baltimore County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,600 needed on a median Baltimore County home.
Multi-unit FHA limits in Baltimore County
Baltimore County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Baltimore 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 Baltimore County for 2026?
- In Baltimore County (Baltimore 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 County with FHA?
- For a median-priced ($360,000) Baltimore County home, plan on income around $107,000 at a 31% housing ratio — about $2,773/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Baltimore County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Baltimore County-area home. Gift funds are allowed.
- Is Baltimore County a high-cost FHA area?
- No — Baltimore County uses the $541,287 national floor for one unit.