MD mortgage rates

Charles County

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

Charles County

Conforming Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

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 Charles 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 Charles

A local view of the market.

The real estate market in Charles County, Maryland, has been experiencing growth, with the median listing home price reaching $460,000 as of October 2024, reflecting a 2.2% increase from the previous year. The median sold home price is slightly lower at $455,000, indicating a balanced market where homes are generally selling for their asking prices. Charles County is home to several key cities, with Waldorf being the largest, boasting a population of approximately 81,077. La Plata, the county seat, has a population of around 10,678, while Indian Head and Port Tobacco Village are smaller but notable communities within the county. Living in Charles County offers a blend of rural charm and suburban convenience. The county has a strong agricultural history, particularly in tobacco farming, but has evolved into a suburban area with significant growth pressures. The top industries in the county include health care and social assistance, reflecting a shift towards service-oriented sectors. Migration patterns suggest that people are drawn to Charles County for its balance of rural and suburban life, offering both open spaces and proximity to urban amenities.

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 Charles County

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

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