FHA Loan Limits in Queen Anne's County, Maryland (2026)
Queen Anne's County and the rest of Queen Anne's County, Maryland fall under a 2026 one-unit FHA limit of $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 |
From Queen Anne's County to the edges of Queen Anne's County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Montgomery and Prince Georges Counties.
How much home can you afford in Queen Anne's County?
With Queen Anne's County's median sale price estimated near $386,000 (think Queen Anne's County), the FHA down payment is roughly $13,510. Factoring Maryland property taxes near 1.07%, expect about $2,965 monthly, pointing to income near $115,000 — above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Queen Anne's County
Whether you are buying in Queen Anne's County or a smaller Queen Anne's 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 — $278,000 | $9,730 | $2,168 |
| Local median — $386,000 | $13,510 | $2,965 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Queen Anne's County too — get notified.
First-time buyers make up much of FHA activity in Queen Anne's County and across Queen Anne's County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,510 needed on a median Queen Anne's County home.
Multi-unit FHA limits in Queen Anne's County
Investors and house-hackers in Queen Anne's County and across Queen Anne's 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.
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Frequently Asked Questions
- What is the FHA loan limit in Queen Anne's County for 2026?
- In Queen Anne's County (Queen Anne's 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 Queen Anne's County with FHA?
- For a median-priced ($386,000) Queen Anne's County home, plan on income around $115,000 at a 31% housing ratio — about $2,965/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Queen Anne's County?
- 3.5% with a 580+ score — roughly $13,510 on a $386,000 Queen Anne's County-area home. Gift funds are allowed.
- Is Queen Anne's County a high-cost FHA area?
- No — Queen Anne's County uses the $541,287 national floor for one unit.