Loan Limits / Maryland / Calvert County
2026 Loan Limits · Maryland · LEXINGTON PARK, MD
Calvert County, MD.
2026 conforming and FHA loan limits, calibrated to a median sales price of $450,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$450,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,209,750
High-cost
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $1,209,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,209,750 |
| 2-unit (duplex) | $1,548,975 |
| 3-unit (triplex) | $1,872,225 |
| 4-unit (fourplex) | $2,326,875 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Calvert County
Calvert County is a county located in the U.S. state of Maryland. As of the 2020 United States census, its population was 92,783. Its county seat is Prince Frederick. The county's name is derived from the family name of the Barons of Baltimore, the proprietors of the English Colony of Maryland. Calvert County is included in the Washington–Arlington–Alexandria metropolitan statistical area. It occupies the Calvert Peninsula, which is bordered on the east by Chesapeake Bay and on the west by the Patuxent River. The county has one of the highest median household incomes in the United States. It is one of the older counties in Maryland, after St. Mary's, Kent, and Anne Arundel counties. The county is part of the Southern Maryland region of the state. Read more on Wikipedia →
Population
93,791
U.S. Census ACS 2023
Median Household Income
$132,059
U.S. Census ACS 2023
Median Home Value (Census)
$440,200
Owner-occupied · ACS 2023
Owner-Occupancy Rate
87%
Of occupied housing
What these limits mean for buyers in Calvert County
The 2026 conforming 1-unit limit for Calvert County is $1,209,750. 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. Because Calvert County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Calvert County at $450,000. This matches the FHA national floor — Calvert County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Calvert County ($450,000) 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
Calvert County 2-, 3-, and 4-unit conforming limits are $1,548,975, $1,872,225, and $2,326,875 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 Calvert County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.