2026 Mortgage Loan Limits for Harford County, Maryland
Harford County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Harford County Loan Limits: Complete Historical Table
Browse the full historical data for Harford County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,287 | $832,750 | $433,020 |
| 2025 | $806,500 | $731,400 | $806,500 | $585,120 |
| 2024 | $766,550 | $667,000 | $766,550 | $533,600 |
| 2023 | $726,200 | $632,500 | $726,200 | $506,000 |
| 2022 | $647,200 | $583,050 | $647,200 | - |
| 2021 | $548,250 | $538,200 | $548,250 | - |
| 2020 | $520,950 | $520,950 | $520,950 | - |
| 2019 | $517,500 | $517,500 | $517,500 | - |
| 2018 | $517,500 | $517,500 | $517,500 | - |
| 2017 | $517,500 | $517,500 | $517,500 | - |
| 2016 | $517,500 | $517,500 | $517,500 | - |
| 2015 | $517,500 | $517,500 | $517,500 | - |
| 2014 | $494,500 | $494,500 | $494,500 | - |
| 2013 | $494,500 | $560,000 | $494,500 | - |
| 2012 | $494,500 | $560,000 | $494,500 | - |
| 2011 | $494,500 | $560,000 | $494,500 | - |
| 2010 | $560,000 | $560,000 | $560,000 | - |
| 2009 | $560,000 | $271,050 | $560,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Harford County, Maryland
The following cities and communities are covered by Harford County loan limits. Whether you're looking for mortgage loan limits in Aberdeen, Aberdeen Proving Ground, Abingdon or any other Harford County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Harford County, Maryland Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Harford County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Harford County, Maryland)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Harford County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 4,728 | 2,047 | 2,335 | ▲14.07% |
| FHA | 1,670 | 586 | 789 | ▲34.64% |
| VA | 1,116 | 396 | 587 | ▲48.23% |
| USDA | 23 | 3 | 1 | ▼-66.67% |
Market Share by Loan Type (Harford County, Maryland)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Harford County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 62.73% | 67.51% | 62.90% | ▼-4.61% |
| FHA | 22.16% | 19.33% | 21.26% | ▲1.93% |
| VA | 14.81% | 13.06% | 15.81% | ▲2.75% |
| USDA | 0.31% | 0.10% | 0.03% | ▼-0.07% |
Average Loan-to-Value by Loan Type (Harford County, Maryland)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Harford County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 81.30% | 79.50% | 78.20% | ▼-1.30% |
| FHA | 99.20% | 90.10% | 93.30% | ▲3.20% |
| VA | 100.00% | 95.70% | 100.00% | ▲4.30% |
| USDA | 97.30% | 97.90% | 100.00% | ▲2.10% |
