MD mortgage rates

Wicomico County

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

Wicomico 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 Wicomico 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 Wicomico

A local view of the market.

The real estate market in Wicomico County, Maryland, is currently characterized as neutral, with a median home sold price of $265,000 as of October 2024. This reflects a 5.8% increase from the previous year, indicating a steady appreciation in property values. The median price per square foot stands at $167, suggesting a balanced market where homes are reasonably priced and typically remain on the market for a standard duration. Wicomico County is home to several notable cities, with Salisbury being the largest, boasting a population of approximately 33,000 residents. Other significant towns include Fruitland and Delmar, which contribute to the county's diverse urban landscape. These cities serve as central hubs for commerce and community life within the county, offering a blend of residential, commercial, and cultural amenities. Living in Wicomico County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a rural charm, while suburban areas offer more developed residential communities. Key industries include education, healthcare, and retail, attracting individuals and families seeking a balanced lifestyle with access to both rural tranquility and suburban conveniences. Migration patterns suggest that people are drawn to the county for its affordable housing and quality of life.

County snapshot

Market context.

MD

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

Market areaSalisburyMapped market area
Area code41540CBSA / MSA reference
Featured communitySalisburyFrom the county record
Data year2026Aligned with this limit record
Salisbury
Top cities & communities

Communities to explore.

Salisbury
Questions & Answers

Refinancing in Wicomico County

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

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