FHA Loan Limits in Montgomery County, Maryland (2026)
Buying in Montgomery County or elsewhere in Montgomery County? The 2026 FHA single-family limit across the county is $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
These 2026 limits apply throughout Montgomery County, from Montgomery County outward, and sit alongside the limits set for neighboring Prince Georges and Baltimore Counties.
FHA affordability around Montgomery County
With Montgomery County's median sale price estimated near $560,000 (think Montgomery County), the FHA down payment is roughly $19,600. Factoring Maryland property taxes near 1.07%, expect about $4,249 monthly, pointing to income near $164,000 — above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Montgomery County
Whether you are buying in Montgomery County or a smaller Montgomery 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 — $403,000 | $14,105 | $3,091 |
| Local median — $560,000 | $19,600 | $4,249 |
| At the FHA limit — $1,249,125 | $43,719 | $9,335 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Montgomery County too — get notified.
In Montgomery County and the surrounding Montgomery County market, FHA's appeal is the math: $19,600 down on a $560,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Montgomery County
Investors and house-hackers in Montgomery County and across Montgomery County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
Never Miss an FHA Rate Change
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 Montgomery County for 2026?
- In Montgomery County (Montgomery County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Montgomery County with FHA?
- For a median-priced ($560,000) Montgomery County home, plan on income around $164,000 at a 31% housing ratio — about $4,249/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Montgomery County?
- 3.5% with a 580+ score — roughly $19,600 on a $560,000 Montgomery County-area home. Gift funds are allowed.
- Is Montgomery County a high-cost FHA area?
- Yes — Montgomery County's $1,249,125 one-unit limit tops the $541,287 national floor.