Maryland USDA Loans

My state-specific information

Eligibility Requirements – Maryland

USDA’s Guaranteed houses program offers loans in the state of Maryland. USDA’s yearly household income limits are $129,650 for a 1-4 person household and can be as high as $202,700 for 5 or more residents of the property being financed.

Call and speck to one of our USDA loan specialist to see if we can get you qualified to purchase a home with USDA’s 100% financing mortgage.

Here is a link for a more detailed map: USDA Map.

Maryland USDA Income Limits (Moderate Income – Guaranteed Loan)

Maryland income limits vary significantly by county and metro area due to higher housing costs in many regions.

Area 1–4 Person 5+ Person
Standard Maryland Limit (Several Rural Counties) $129,650 $171,150
Talbot County, MD $132,250 $174,600
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA (MD Portion) $137,300 $181,250
Baltimore-Columbia-Towson, MD MSA $149,800 $197,750
St. Mary’s County, MD HUD Metro FMR Area $149,800 $197,750
Calvert County, MD HUD Metro FMR Area $153,550 $202,700
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area $153,550 $202,700

USDA income limits in Maryland are based on the property’s county and total household income. This includes income from all adult household members, not just the borrower. Because many parts of Maryland are part of higher-cost metro regions (Washington DC, Baltimore, Philadelphia), income limits are often substantially higher than the national standard.

If your total qualifying household income falls within the limit for your county and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment).

Check Your Maryland USDA Eligibility

USDA loans are available in many eligible rural and suburban areas throughout Maryland. We can quickly:

  • Confirm your county income limit (1–4 vs. 5+ household members)
  • Verify the property address is USDA eligible
  • Provide a fast payment estimate and next steps


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on household size, verified income, and USDA program guidelines.

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in North Carolina.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Maryland USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Maryland