MD mortgage rates

Garrett County

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

Garrett 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$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 Garrett 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 Garrett

A local view of the market.

The real estate market in Garrett County, Maryland, is experiencing a modest increase, with the average home value at $330,162, reflecting a 1.3% rise over the past year. Homes in this area typically go to pending status in about 37 days, indicating a steady demand in the market. Garrett County is home to several notable towns, including Oakland, the county seat, which has a population of approximately 1,800 residents. Another significant town is Mountain Lake Park, with a population of around 2,100 people, offering a quaint and close-knit community atmosphere. Living in Garrett County offers a predominantly rural lifestyle, with a mix of agricultural and suburban elements. The county's economy is supported by industries such as tourism, agriculture, and energy production. People are drawn to Garrett County for its scenic landscapes, outdoor recreational opportunities, and a slower-paced lifestyle, making it an attractive destination for those seeking a retreat from urban environments.

Questions & Answers

Refinancing in Garrett County

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

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