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Maryland Mortgage Calculator

Calculate your Maryland mortgage payment with state-specific property tax rates (1.06% average), income tax (2% - 5.75%), and 2026 conforming loan limits.

Maryland-Specific Inputs

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Maryland Property Tax

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MD average: 1.06%

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Other costs

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Maryland Mortgage Overview

Maryland has a progressive income tax and above-average property taxes.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

Maryland Income Tax Rates (2026)

Maryland has a state income tax with rates of 2% - 5.75%.

The paycheck calculator shows your net pay.

Maryland Property Tax

The average effective property tax rate in Maryland is 1.06%. and local jurisdiction.

First-Time Homebuyer Programs

Maryland Department of Housing offers down payment assistance and favorable loan terms for qualifying first-time buyers in Maryland.

Details on their website.

Maryland Mortgage FAQ

What is the average property tax rate in Maryland?

The average effective property tax rate in Maryland is 1.06%. and local jurisdiction.

What is the income tax in Maryland?

The paycheck calculator shows your net pay.

What are Maryland's conforming loan limits for 2026?

For 2026, the conforming loan limit for a single-family home in Maryland is $806,500.

Are there first-time homebuyer programs in Maryland?

Details on their website.

How much do I need for a down payment in Maryland?

Related resources

National Mortgage Calculator → MD Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →