FHA Loan Limits in St. Mary's County, Maryland (2026)
St. Mary's County and the rest of St. Mary'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 |
These 2026 limits apply throughout St. Mary's County, from St. Mary's County outward, and sit alongside the limits set for neighboring Montgomery and Prince Georges Counties.
How much home can you afford in St. Mary's County?
With St. Mary's County's median sale price estimated near $436,000 (think St. Mary's County), the FHA down payment is roughly $15,260. Factoring Maryland property taxes near 1.07%, expect about $3,334 monthly, pointing to income near $129,000 — above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in St. Mary's County
Here is what an FHA payment looks like at three St. Mary's County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $314,000 | $10,990 | $2,434 |
| Local median — $436,000 | $15,260 | $3,334 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near St. Mary's County too — get notified.
In St. Mary's County and the surrounding St. Mary's County market, FHA's appeal is the math: $15,260 down on a $436,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in St. Mary's County
Looking at a duplex or fourplex near St. Mary's County? FHA allows up to $692,997 on two units and $1,041,072 on four in St. Mary's 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 St. Mary's County for 2026?
- In St. Mary's County (St. Mary'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 St. Mary's County with FHA?
- For a median-priced ($436,000) St. Mary's County home, plan on income around $129,000 at a 31% housing ratio — about $3,334/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Mary's County?
- 3.5% with a 580+ score — roughly $15,260 on a $436,000 St. Mary's County-area home. Gift funds are allowed.
- Is St. Mary's County a high-cost FHA area?
- No — St. Mary's County uses the $541,287 national floor for one unit.