MD mortgage rates

Anne Arundel County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Anne Arundel County, Maryland. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Anne Arundel County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$747,500
2 units$956,950
3 units$1,156,700
4 units$1,437,500

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Anne Arundel County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Anne Arundel

A local view of the market.

Anne Arundel County's real estate market is experiencing a slight increase in home values, with the median sale price reaching $480,000 as of September 2024, marking a 2.1% rise from the previous year. Homes in the county typically sell after 28 days on the market, indicating a competitive environment for buyers. The county is home to several prominent cities, including Annapolis, the state capital, with a population of approximately 40,000. Other notable cities include Glen Burnie, with around 70,000 residents, and Pasadena, which has a population of about 24,000. These cities offer diverse living experiences and amenities, attracting a wide range of residents. Living in Anne Arundel County offers a mix of suburban and rural lifestyles. The area is known for its suburban communities, agricultural landscapes, and proximity to the Chesapeake Bay, providing opportunities for both farming and suburban living. Key industries include government, healthcare, and education, drawing people to the county for employment opportunities. Additionally, its location near major cities like Baltimore and Washington, D.C., makes it an attractive place for those seeking a balance between urban and rural life.

County snapshot

Market context.

MD

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaBaltimore-Columbia-TowsonMapped market area
Area code12580CBSA / MSA reference
Featured communityAnnapolisFrom the county record
Data year2026Aligned with this limit record
Annapolis
Top cities & communities

Communities to explore.

Annapolis
Questions & Answers

Refinancing in Anne Arundel County

Common questions about 2026 loan limits and refinancing opportunities in Maryland.

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