FHA Loan Limits in Somerset County, Maryland (2026)
From Somerset County, FHA buyers in Somerset 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 Somerset County — Somerset 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 Somerset County?
Homes around Somerset County carry an estimated local median near $441,000, so an FHA buyer in Somerset County puts down about $15,435 (3.5%). With Maryland's 1.07% effective property-tax rate, the all-in payment runs near $3,371 a month — comfortable on household income around $130,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Somerset County
FHA payments across Somerset County price points — from entry homes near Somerset County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $318,000 | $11,130 | $2,463 |
| Local median — $441,000 | $15,435 | $3,371 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Somerset County too — get notified.
Buyers across Somerset County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,435 down payment near Somerset County into little out of pocket.
Multi-unit FHA limits in Somerset County
Somerset County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Somerset 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 Somerset County for 2026?
- In Somerset County (Somerset 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 Somerset County with FHA?
- For a median-priced ($441,000) Somerset County home, plan on income around $130,000 at a 31% housing ratio — about $3,371/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Somerset County?
- 3.5% with a 580+ score — roughly $15,435 on a $441,000 Somerset County-area home. Gift funds are allowed.
- Is Somerset County a high-cost FHA area?
- No — Somerset County uses the $541,287 national floor for one unit.