MD mortgage rates

Washington County

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

Washington 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 Washington 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 Washington

A local view of the market.

Washington County, Maryland, has a dynamic real estate market characterized by a median listing home price of $339,000 as of October 2024, which represents a 5.7% decrease compared to the previous year. The median price per square foot is $183, and homes typically sell for around $310,000. The county's largest city is Hagerstown, with a population of approximately 43,523. Other notable cities include Halfway, with a population of 10,804, and Robinwood, which has about 7,482 residents. Living in Washington County offers a mix of rural and suburban experiences, with a strong presence of agriculture and suburban life. The county is known for its quality of life, blending city and country living, and is attractive for its recreational and cultural opportunities. Migration patterns show people moving to the area for its affordability compared to urban centers, with industries like healthcare and education playing a significant role in the local economy.

County snapshot

Market context.

MD

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

Market areaHagerstown-MartinsburgMapped market area
Area code25180CBSA / MSA reference
Featured communityHagersFrom the county record
Data year2026Aligned with this limit record
Hagers
Top cities & communities

Communities to explore.

Hagers
Questions & Answers

Refinancing in Washington County

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

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