The 2011 FHA loan limits in Maryland will be unchanged from the 2010 limits set by Congress. Like Virginia and Washington D.C., Maryland FHA loan limits are quite a bit higher than most of the country because it is considered a high cost state. Maryland mortgage programs have been challenging because so many homeowners find themselves stuck in an underwater mortgages. Many insiders believe FHA refinancing will remain a key component for revitalizing the struggling housing markets. Maryland home loans are available in conforming, VA and FHA loan programs. Maryland mortgage rates remain competitive as FHA rates have declined to 50-year lows.
For more information about a Maryland FHA Mortgage, Loan Limits, or FHA guidelines, please contact Nationwide lenders.
| County Name | Single Family | Duplex | Tri-plex | Four-plex |
| ALLEGANY | $271,050 | $347,000 | $419,400 | $521,250 |
| ANNE ARUNDEL | $560,000 | $716,900 | $866,550 | $1,076,950 |
| BALTIMORE | $560,000 | $716,900 | $866,550 | $1,076,950 |
| BALTIMORE CITY | $560,000 | $716,900 | $866,550 | $1,076,950 |
| CALVERT | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| CAROLINE | $271,050 | $347,000 | $419,400 | $521,250 |
| NON-METRO | ||||
| CARROLL | $560,000 | $716,900 | $866,550 | $1,076,950 |
| CECIL | $420,000 | $537,650 | $649,900 | $807,700 |
| CHARLES | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| DORCHESTER | $271,050 | $347,000 | $419,400 | $521,250 |
| FREDERICK | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| GARRETT | $437,500 | $560,050 | $677,000 | $841,350 |
| NON-METRO | ||||
| HARFORD | $560,000 | $716,900 | $866,550 | $1,076,950 |
| HOWARD | $560,000 | $716,900 | $866,550 | $1,076,950 |
| KENT | $343,750 | $440,050 | $531,900 | $661,050 |
| NON-METRO | ||||
| MONTGOMERY | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| PRINCE GEORGE’S | $729,750 | $934,200 | $1,129,250 | $1,403,400 |
| QUEEN ANNE’S | $560,000 | $716,900 | $866,550 | $1,076,950 |
| SOMERSET | $328,750 | $420,850 | $508,700 | $632,200 |
| ST. MARY’S | $400,000 | $512,050 | $618,950 | $769,250 |
| TALBOT | $443,750 | $568,050 | $686,650 | $853,350 |
| EASTON, MD (MICRO) | ||||
| WASHINGTON | $377,500 | $483,250 | $584,150 | $725,950 |
| WICOMICO | $328,750 | $420,850 | $508,700 | $632,200 |
| SALISBURY, MD (MSA) | ||||
| WORCESTER | $437,500 | $560,050 | $677,000 | $841,350 |
