MD mortgage rates

Baltimore City County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Baltimore City 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

Baltimore City 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 Baltimore City 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 Baltimore City

A local view of the market.

Baltimore City, Maryland, presents a dynamic real estate market with a median home value of approximately $369,708, which is about 8% higher than the national average. The city's housing market is characterized by a strong rental sector, with median rents around $1,785 per month, making it a competitive area for both buyers and investors. As Baltimore City is an independent city and not part of any county, it doesn't contain other cities within it. However, it is surrounded by notable areas in the Baltimore metropolitan region, such as Towson and Columbia. Towson, with a population of about 58,000, serves as a bustling college town and commercial center, while Columbia, home to approximately 104,000 residents, is known for its planned community structure and high quality of life. Living in Baltimore City offers a blend of urban and suburban experiences, with a strong emphasis on suburban life due to its proximity to various suburban communities. The city is a hub for industries such as healthcare, education, and government services, which are significant employment drivers. Baltimore's real estate market attracts individuals seeking affordable housing options and those drawn to the city’s revitalization projects and cultural vibrancy, contributing to a steady influx of new residents.

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 communityBaltimoreFrom the county record
Data year2026Aligned with this limit record
Baltimore
Top cities & communities

Communities to explore.

Baltimore
Questions & Answers

Refinancing in Baltimore City County

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

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