FHA Loan Limits in Garrett County, Maryland (2026)
Buying in Garrett County or elsewhere in Garrett 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 Garrett County, from Garrett County outward, and sit alongside the limits set for neighboring Montgomery and Prince Georges Counties.
FHA affordability around Garrett County
Homes around Garrett County carry an estimated local median near $403,000, so an FHA buyer in Garrett County puts down about $14,105 (3.5%). With Maryland's 1.07% effective property-tax rate, the all-in payment runs near $3,091 a month — comfortable on household income around $120,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Garrett County
Here is what an FHA payment looks like at three Garrett County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $290,000 | $10,150 | $2,257 |
| Local median — $403,000 | $14,105 | $3,091 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Garrett County too — get notified.
In Garrett County and the surrounding Garrett County market, FHA's appeal is the math: $14,105 down on a $403,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Garrett County
Looking at a duplex or fourplex near Garrett County? FHA allows up to $692,997 on two units and $1,041,072 on four in Garrett 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 Garrett County for 2026?
- In Garrett County (Garrett 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 Garrett County with FHA?
- For a median-priced ($403,000) Garrett County home, plan on income around $120,000 at a 31% housing ratio — about $3,091/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Garrett County?
- 3.5% with a 580+ score — roughly $14,105 on a $403,000 Garrett County-area home. Gift funds are allowed.
- Is Garrett County a high-cost FHA area?
- No — Garrett County uses the $541,287 national floor for one unit.