FHA Loan Limits in Prince Georges County, Maryland (2026)
In Prince Georges County — anchored by Prince Georges County — the 2026 FHA loan limit for a single-family home 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 Prince Georges County, from Prince Georges County outward, and sit alongside the limits set for neighboring Montgomery and Baltimore Counties.
Affording a home in Prince Georges County & Prince Georges County
An FHA buyer near Prince Georges County faces an estimated $420,000 median, a $14,700 down payment, and — after Maryland's 1.07% property tax — a monthly cost around $3,216. That suits household income of roughly $124,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Prince Georges County
FHA payments across Prince Georges County price points — from entry homes near Prince Georges County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $302,000 | $10,570 | $2,345 |
| Local median — $420,000 | $14,700 | $3,216 |
| 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 Prince Georges County too — get notified.
In Prince Georges County and the surrounding Prince Georges County market, FHA's appeal is the math: $14,700 down on a $420,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Prince Georges County
Prince Georges County's 2026 multi-unit FHA limits reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex) — so a buyer in Prince Georges 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 Prince Georges County for 2026?
- In Prince Georges County (Prince Georges 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 Prince Georges County with FHA?
- For a median-priced ($420,000) Prince Georges County home, plan on income around $124,000 at a 31% housing ratio — about $3,216/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Prince Georges County?
- 3.5% with a 580+ score — roughly $14,700 on a $420,000 Prince Georges County-area home. Gift funds are allowed.
- Is Prince Georges County a high-cost FHA area?
- Yes — Prince Georges County's $1,249,125 one-unit limit tops the $541,287 national floor.