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Updated: December 2, 2024

2025 Mortgage Loan Limits: Caroline County, Maryland

Property Type2025 Loan Limit
1-Unit Homes$806,500
2-Unit Homes$1,032,650
3-Unit Homes$1,248,150
4-Unit Homes$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

Caroline County, Maryland, mortgage loan limits apply in:

Caroline County 2025 mortgage loan limits include the following cities: Choptank, Denton, Federalsburg, Goldsboro, Greensboro, Henderson, Hillsboro, Marydel, Preston, Ridgely, West Denton, Williston

Historical Charts: Mortgage Loan Limits in Caroline County, Maryland

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Caroline County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Mortgage Statistics from Caroline County, Maryland

Mortgage statistics for Caroline County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

MortgagesTotal
Purchase Mortgages (2018-2023)2147
Loan TypeRelative Share
Conventional46.30%
FHA27.99%
VA9.18%
USDA16.53%
Property TypeRelative Share
1-Unit Homes98.79%
2-Unit Homes0.65%
3-Unit Homes0.42%
4-Unit Homes0.14%
Borrower StatusRelative Share
One Applicant60.46%
Two or More Applicants39.54%
GenderRelative Share
Male35.68%
Female25.15%
Joint Sex34.23%
Not Available4.94%
RaceRelative Share
American Indian / Alaska Native0.33%
Asian1.07%
Black / African American7.22%
Native Hawaiian / Other Pacific Islander0.00%
White77.88%
Mixed Race1.54%
Other Race11.97%
EthnicityRelative Share
Hispanic or Latino3.45%
Not Hispanic or Latino82.53%
Joint Ethnicity1.02%
Other Ethnicity12.99%

Caroline County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Caroline County, Maryland

Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Caroline County, Maryland. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Dorchester County

View Loan Limits →

Queen Anne"s County

View Loan Limits →

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