Detailed Income Eligibility

Detailed Income Eligibility

If your household income falls between the limits of potential eligibility, use the method outlined below to determine locations where your income level will allow you to use a Maryland Mortgage Program loan to purchase property.

Step 1 

Check if the County that you’re considering is a Full, Partial or Non-Targeted Area County, and find the relevant Income Table number.

Full Counties Partial Counties Non-Targeted Counties
All Properties in these Counties are in Targeted Areas Some properties in these Counties are in Targeted Areas No properties in these Counties are in Targeted Areas
Allegany County Anne Arundel County Calvert County
Baltimore City Baltimore County Carroll County
Caroline County Frederick County Cecil County
Dorchester County Harford County Charles County
Garrett County Montgomery County Howard County
Kent County Prince George's County Queen Anne's County
Somerset County Washintgon County St. Mary's County
  Wicomico County Talbot County
    Worcester County
Refer to Incomes Table 1 Refer to Incomes Table 2 Refer to Incomes Table 3


Step 2

Check the relevant Incomes Table to determine .

Incomes Table 1

Maximum Pre-Tax Household Income – Targeted Area Full Counties

Household Size
County 1 or 2 3 or more
Allegany  $108,600  $126,700
Baltimore City
Caroline
Dorchester
Garrett
Kent
Somerset


Incomes Table 2

Maximum Pre-Tax Household Income – Targeted Area Partial Counties

  Household Size
County Targeted Area 1 or 2 3 or more
Anne Arundel Targeted Area $108,600 $126,700
Non-Targeted $107,520 $125,440
Baltimore County Targeted Area $108,600 $126,700
Non-Targeted $107,520 $125,440
Frederick Targeted Area $131,040​ $152,880​
Non-Targeted
Harford Targeted Area $108,600 $126,700
Non-Targeted $107,520 $125,440
Montgomery Targeted Area $131,040 $152,880
Non-Targeted
Prince George's Targeted $131,040​
$152,880​
Non-Targeted
Washington Targeted $108,600 $126,700
Non-Targeted $90,500 $104,075
Wicomico Targeted $108,600​
$126,700​
Non-Targeted $90,500​
$104,075​

For Partial Targeted Area Counties, you can determine whether a specific property is within a Targeted Area using information on our Targeted Area Details page.

Incomes Table 3

Maximum Pre-Tax Household Income –Non-Targeted Area Counties

  Household Size
County 1 or 2 3 or more
Calvert $131,040​ $152,880​
Carroll $107,520​ $125,440​
Cecil  $90,500​  $104,075​
Charles  $131,040​ $152,880​
Howard  $107,520​  $125,440​
Queen Anne's  $107,520​  $125,440​
St. Mary's  $99,900  $114,885
Talbot  $90,500​​  $104,075​​
Worcester  $90,500​  $104,075​

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