FHA Loan Limits in Charles County, Maryland (2026)
From Charles County, FHA buyers in Charles 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 Charles County — Charles 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 Charles County?
Homes around Charles County carry an estimated local median near $361,000, so an FHA buyer in Charles County puts down about $12,635 (3.5%). With Maryland's 1.07% effective property-tax rate, the all-in payment runs near $2,781 a month — comfortable on household income around $108,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Charles County
Whether you are buying in Charles County or a smaller Charles 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 — $260,000 | $9,100 | $2,035 |
| Local median — $361,000 | $12,635 | $2,781 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Charles County too — get notified.
Buyers across Charles County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,635 down payment near Charles County into little out of pocket.
Multi-unit FHA limits in Charles County
Investors and house-hackers in Charles County and across Charles 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.
Be First to Know When FHA Rates Move
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Charles County for 2026?
- In Charles County (Charles 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 Charles County with FHA?
- For a median-priced ($361,000) Charles County home, plan on income around $108,000 at a 31% housing ratio — about $2,781/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Charles County?
- 3.5% with a 580+ score — roughly $12,635 on a $361,000 Charles County-area home. Gift funds are allowed.
- Is Charles County a high-cost FHA area?
- No — Charles County uses the $541,287 national floor for one unit.