Loan Limits / Maryland / Anne Arundel County
2026 Loan Limits · Maryland · BALTIMORE-COLUMBIA-TOWSON, MD
Anne Arundel County, MD.
2026 conforming and FHA loan limits, calibrated to a median sales price of $650,000.
Median Sales Price
$650,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$747,500
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $747,500 |
| 2-unit (duplex) | $956,950 |
| 3-unit (triplex) | $1,156,700 |
| 4-unit (fourplex) | $1,437,500 |
About this county
About Anne Arundel County
Anne Arundel County, also notated as AA or A.A. County, is located in the U.S. state of Maryland. As of the 2020 United States census, its population was 588,261, an increase of just under 10% since 2010. Its county seat is Annapolis, which is also the capital of the state. The county is named for Anne Arundell, Lady Baltimore, a member of the Arundell family in Cornwall, England, and the wife of Cecilius Calvert, 2nd Baron Baltimore (1605–1675), founder and first lord proprietor of the colony Province of Maryland. The county is part of the Central Maryland region of the state. Anne Arundel County is included in the Washington–Baltimore–Arlington combined statistical area. Read more on Wikipedia →
Population
590,936
U.S. Census ACS 2023
Median Household Income
$120,324
U.S. Census ACS 2023
Median Home Value (Census)
$450,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
75%
Of occupied housing
What these limits mean for buyers in Anne Arundel County
The 2026 conforming 1-unit limit for Anne Arundel County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Anne Arundel County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $747,500. The HUD CHUMS table pegs the median sales price for Anne Arundel County at $650,000. Anne Arundel County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Anne Arundel County ($650,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Anne Arundel County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Anne Arundel County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.