MD mortgage rates

Baltimore County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Baltimore 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 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 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Baltimore

A local view of the market.

Baltimore County, Maryland, has a dynamic real estate market with the average home value currently at $346,011, reflecting a 2.1% increase over the past year. Homes in the area typically go to pending status within about eight days, indicating a relatively brisk market pace. The top cities in Baltimore County include Dundalk, with a population of approximately 66,000, and Towson, which has around 58,000 residents. Other notable areas include Catonsville and Essex, each contributing to the county's diverse urban landscape. Living in Baltimore County offers a mix of suburban and rural experiences. The northern part of the county is known for its rural charm, featuring communities like Hereford and Sparks Glencoe. The county's economy is supported by industries such as healthcare, education, and manufacturing. Migration patterns suggest that people are attracted to Baltimore County for its suburban lifestyle and proximity to urban amenities, providing a balanced living environment.

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
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Baltimore County

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

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