FHA Loan Limits in Calvert County, Maryland (2026)
Buying in Calvert County or elsewhere in Calvert 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 |
These 2026 limits apply throughout Calvert County, from Calvert County outward, and sit alongside the limits set for neighboring Montgomery and Prince Georges Counties.
FHA affordability around Calvert County
Homes around Calvert County carry an estimated local median near $474,000, so an FHA buyer in Calvert County puts down about $16,590 (3.5%). With Maryland's 1.07% effective property-tax rate, the all-in payment runs near $3,615 a month — comfortable on household income around $140,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Calvert County
FHA payments across Calvert County price points — from entry homes near Calvert 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 Calvert County too — get notified.
In Calvert County and the surrounding Calvert County market, FHA's appeal is the math: $16,590 down on a $474,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Calvert County
Calvert County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Calvert 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 Calvert County for 2026?
- In Calvert County (Calvert 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 Calvert County with FHA?
- For a median-priced ($474,000) Calvert 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 Calvert County?
- 3.5% with a 580+ score — roughly $16,590 on a $474,000 Calvert County-area home. Gift funds are allowed.
- Is Calvert County a high-cost FHA area?
- No — Calvert County uses the $541,287 national floor for one unit.