FHA Loan Limits in Wicomico County, Maryland (2026)
Wicomico County and the rest of Wicomico 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 |
Every community in Wicomico County — Wicomico County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Montgomery and Prince Georges Counties.
How much home can you afford in Wicomico County?
With Wicomico County's median sale price estimated near $445,000 (think Wicomico County), the FHA down payment is roughly $15,575. Factoring Maryland property taxes near 1.07%, expect about $3,401 monthly, pointing to income near $132,000 — above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Wicomico County
Whether you are buying in Wicomico County or a smaller Wicomico 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 — $320,000 | $11,200 | $2,478 |
| Local median — $445,000 | $15,575 | $3,401 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Wicomico County too — get notified.
Buyers across Wicomico County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,575 down payment near Wicomico County into little out of pocket.
Multi-unit FHA limits in Wicomico County
Investors and house-hackers in Wicomico County and across Wicomico 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 Wicomico County for 2026?
- In Wicomico County (Wicomico 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 Wicomico County with FHA?
- For a median-priced ($445,000) Wicomico County home, plan on income around $132,000 at a 31% housing ratio — about $3,401/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wicomico County?
- 3.5% with a 580+ score — roughly $15,575 on a $445,000 Wicomico County-area home. Gift funds are allowed.
- Is Wicomico County a high-cost FHA area?
- No — Wicomico County uses the $541,287 national floor for one unit.