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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	6.875%	7.729%	2.097	$2,339
VA 30-Year Fixed	6.750%	7.162%	1.963	$2,298
Conventional 15-Year Fixed	6.625%	7.128%	2.210	$3,072
Conventional 30-Year Fixed	7.250%	7.528%	1.769	$2,387
Jumbo 30-Year Fixed	7.125%	7.347%	2.050	$6,400

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	7.125%	7.994%	2.333	$2,399
VA 30-Year Refinance	7.000%	7.316%	2.478	$2,340
Conventional 15-Year Refinance	6.875%	7.399%	2.487	$3,121
Conventional 30-Year Refinance	7.375%	7.699%	2.409	$2,417
Jumbo 30-Year Refinance	7.250%	7.502%	2.250	$6,480

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.729% APR and $2,339 monthly payment at 70% loan-to-value (LTV) and 2.097 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.162% APR and $2,298 monthly payment at 70% loan-to-value (LTV) and 1.963 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.128% APR and $3,072 monthly payment at 70% loan-to-value (LTV) and 2.210 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.528% APR and $2,387 monthly payment at 70% loan-to-value (LTV) and 1.769 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.347% APR and $6,400 monthly payment at 70% loan-to-value (LTV) and 2.050 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.994% APR and $2,399 monthly payment at 70% loan-to-value (LTV) and 2.333 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.316% APR and $2,340 monthly payment at 70% loan-to-value (LTV) and 2.478 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.399% APR and $3,121 monthly payment at 70% loan-to-value (LTV) and 2.487 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.699% APR and $2,417 monthly payment at 70% loan-to-value (LTV) and 2.409 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $6,480 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 1, 2026.

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Mortgage Rates Trend in Maryland

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Maryland

Maryland mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Baltimore can differ from one for a property in rural Maryland when the borrower, property or loan details change.

When comparing lenders for a home purchase, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Comparing both can help you identify differences between offers with similar interest rates but different qualifying costs.

If you’re considering replacing an existing Maryland mortgage, compare Maryland refinance rates with your current loan terms.

Types of Mortgages Available in Maryland

Marylanders buying a home can choose among several mortgage structures, while the property's county can determine how much you can borrow before conventional financing moves into the jumbo category.

A conventional fixed-rate mortgage keeps the same interest rate for the full loan term. Your credit profile, down payment, property and other application details affect the terms available to you.
Maryland FHA loan rates apply to FHA financing, which follows separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.
Eligible borrowers can compare Maryland VA loan rates. VA financing follows its own borrower and property requirements.
USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Maryland.
An adjustable-rate mortgage can change after its initial rate period according to the loan terms. Review the adjustment schedule and how later changes could affect your payment.
A jumbo loan finances an amount above the conforming limit that applies to the property's county. Maryland has two higher-cost limit tiers, which are covered in the next section.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Maryland.

Mortgage insurance treatment depends on the loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Maryland

Maryland's 2026 one-unit conforming loan limit is $832,750 in 19 of its 23 counties, while five higher-cost counties have limits of $1,209,750 or $1,249,125. The jumbo threshold therefore depends on the county where the property is located. The limit in independent Baltimore City is the baseline of $832,750.

Four counties reach the $1,249,125 high-cost ceiling, while one has a $1,209,750 limit. These higher tiers follow local median home values.

County	2026 one-unit conforming limit
Charles County	$1,249,125
Frederick County	$1,249,125
Montgomery County	$1,249,125
Prince George's County	$1,249,125
Calvert County	$1,209,750

The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually. A one-unit mortgage above the limit that applies to the property falls into the jumbo category. That means a mortgage above $832,750 can be jumbo in one Maryland county while remaining conforming in one of the five higher-cost counties.

Buyers financing above the applicable conforming threshold can compare Maryland jumbo loan rates.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate limit system. FHA loan limits in Maryland are set separately from conforming limits and are published county by county. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements, and Maryland VA loan rates are published separately.

Maryland Mortgage Payment Examples By Rate

Maryland's payment examples extend to a $1,200,000 mortgage. That amount is above the $832,750 baseline used in 19 counties but below the $1,249,125 limit in the state's highest-cost counties. Use the Maryland mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount	5.50%	5.75%	6.00%	6.25%	6.50%
$1,200,000	$6,813	$7,003	$7,195	$7,389	$7,585
$1,100,000	$6,246	$6,419	$6,595	$6,773	$6,953
$1,000,000	$5,678	$5,836	$5,996	$6,157	$6,321
$900,000	$5,110	$5,252	$5,396	$5,541	$5,689
$800,000	$4,542	$4,669	$4,796	$4,926	$5,057
$700,000	$3,975	$4,085	$4,197	$4,310	$4,424
$600,000	$3,407	$3,501	$3,597	$3,694	$3,792
$500,000	$2,839	$2,918	$2,998	$3,079	$3,160
$400,000	$2,271	$2,334	$2,398	$2,463	$2,528
$300,000	$1,703	$1,751	$1,799	$1,847	$1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Loan Officers in Maryland

Nick Muro

Branch Manager

NMLS ID# 17542

Today's Mortgage Rates in Maryland

MD Mortgage Rate Insights

Current Maryland Mortgage Rates

Legal Disclosures

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Mortgage Rates Trend in Maryland

Legal Disclosures

What Affects Mortgage Interest Rates in Maryland

Types of Mortgages Available in Maryland

2026 Conforming and Jumbo Loan Limits in Maryland

Maryland Mortgage Payment Examples By Rate

Learn more about mortgage rates in Maryland

Loan Officers in Maryland

Nick Muro

Zachary Asbell

Kevin Kane

Cary Jordan

Lisa Gaton-Rapena

Jackie Simpson

Brenda Davis

Kristen Moyes

Clifford Brown

Yvonne Diallo

Patrick Joyce

Paul Shapiro

Shawn Wilson

Uly Solis

Scott Asbell

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