2026 limits · effective June 24, 2026
Income and purchase price limits by county
To use First Homes for First Responders and Teachers, your household income and purchase price must fall under the Maryland Mortgage Program limits for the county where you buy. Pick your county to see yours.
All Maryland counties
Income limits apply to total household income. "Full" counties are entirely Targeted Areas; in "partial" counties, check the address in the state's MMP Mapper.
| County | Targeted | Income 1–2 | Income 3+ | Targeted income 1–2 | Targeted income 3+ | Max price | Targeted max price | Max loan | Max 5% |
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How household size is counted: everyone living in the home counts, regardless of age. A doctor-certified pregnancy counts as an additional person. Income counts every adult 18 or older in the home, including salary, retirement income and investment gains.
Source: Maryland Mortgage Program, 2026 Income Limits, Maximum Acquisition Costs and CDA Maximum Mortgage Limits. Max loan is the lesser of the county's acquisition cost or the FHA one-family limit, not to exceed $832,750. Limits change yearly; your lender confirms the current figures.