2026 Mortgage Loan Limits for Montgomery County, Maryland
Montgomery 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.
Montgomery County Loan Limits: Complete Historical Table
Browse the full historical data for Montgomery 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 | $1,249,125 | $811,925 | $1,249,125 | $649,525 |
| 2025 | $1,209,750 | $1,209,750 | $1,209,750 | $967,800 |
| 2024 | $1,149,825 | $1,149,825 | $1,149,825 | $919,860 |
| 2023 | $1,089,300 | $1,089,300 | $1,089,300 | $871,440 |
| 2022 | $970,800 | $970,800 | $970,800 | - |
| 2021 | $822,375 | $822,375 | $822,375 | - |
| 2020 | $765,600 | $765,600 | $765,600 | - |
| 2019 | $726,525 | $726,525 | $726,525 | - |
| 2018 | $679,650 | $679,650 | $679,650 | - |
| 2017 | $636,150 | $636,150 | $636,150 | - |
| 2016 | $625,500 | $625,500 | $625,500 | - |
| 2015 | $625,500 | $625,500 | $625,500 | - |
| 2014 | $625,500 | $625,500 | $625,500 | - |
| 2013 | $625,500 | $729,750 | $625,500 | - |
| 2012 | $625,500 | $729,750 | $625,500 | - |
| 2011 | $625,500 | $729,750 | $625,500 | - |
| 2010 | $729,750 | $729,750 | $729,750 | - |
| 2009 | $729,750 | $271,050 | $729,750 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Montgomery County, Maryland
The following cities and communities are covered by Montgomery County loan limits. Whether you're looking for mortgage loan limits in Ashton-Sandy Spring, Aspen Hill, Barnesville or any other Montgomery County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Montgomery County, Maryland Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Montgomery 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 (Montgomery County, Maryland)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Montgomery County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 20,127 | 7,369 | 8,443 | ▲14.57% |
| FHA | 2,603 | 891 | 938 | ▲5.27% |
| VA | 1,539 | 486 | 646 | ▲32.92% |
| USDA | 4 | 0 | 0 | ▲0.00% |
Market Share by Loan Type (Montgomery County, Maryland)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Montgomery County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 82.92% | 84.26% | 84.20% | ▼-0.06% |
| FHA | 10.72% | 10.19% | 9.35% | ▼-0.84% |
| VA | 6.34% | 5.56% | 6.44% | ▲0.88% |
| USDA | 0.02% | 0.00% | 0.00% | ▲0.00% |
Average Loan-to-Value by Loan Type (Montgomery County, Maryland)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Montgomery County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 72.00% | 73.20% | 71.70% | ▼-1.50% |
| FHA | 96.70% | 90.40% | 91.00% | ▲0.60% |
| VA | 100.00% | 91.90% | 96.30% | ▲4.40% |
| USDA | 79.20% | 0.00% | 0.00% | ▲0.00% |
