MD mortgage rates

Calvert County

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

Calvert County

Conforming Loan Limits

Per property
1 unit$1,209,750
2 units$1,548,975
3 units$1,872,225
4 units$2,326,875

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

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 Calvert 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 Calvert

A local view of the market.

Calvert County, Maryland, is experiencing a strong real estate market with a median home sold price of $449,922 as of October 2024, reflecting a 5.9% increase from the previous year. The median price per square foot is $208, indicating a competitive market where homes are selling relatively quickly. The county includes several notable cities such as Prince Frederick, Lusby, and Chesapeake Beach. Prince Frederick serves as the county seat and is a central hub with a population of approximately 3,500. Lusby is known for its suburban feel and has a population of around 1,800, while Chesapeake Beach, with a population of about 6,000, offers a coastal lifestyle with access to the Chesapeake Bay. Living in Calvert County offers a mix of rural and suburban environments, with agriculture playing a significant role in the local economy. The county is characterized by its scenic landscapes and proximity to the Chesapeake Bay, making it attractive for those seeking a quieter lifestyle. Top industries include education, healthcare, and retail, with many residents commuting to nearby cities for work. The county's appeal lies in its blend of rural charm and suburban convenience, attracting new residents looking for a balance between work and leisure.

County snapshot

Market context.

MD

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

Market areaWashington-Arlington-AlexandriaMapped market area
Area code47900CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Calvert County

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

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