Baltimore, MD Mortgage Rates
Live Mortgage Rates in Baltimore, Maryland
6.490%
Baltimore Conventional Purchase benchmark (80% LTV, 780 FICO), updated Friday, November 6, 2026 at 2:30 PM UTC
Sourced live from hundreds of wholesale lenders serving Baltimore and Maryland
Baltimore Benchmark Rates
Lowest available rate with no discount points paid in Baltimore, MD for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Baltimore, MD | 6.490% | 6.526% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Baltimore, MD | 5.875% | 5.905% |
VA VA Purchase (100% LTV, 680 FICO) · Baltimore, MD | 5.875% | 5.900% |
2026 Loan Limits in Maryland
Conforming
$832,750 baseline
High-cost Maryland counties go up to $1,249,125 - Baltimore may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Maryland counties allow more, up to $1,249,125 - check your specific county.
About Baltimore Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Baltimore, Maryland homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Maryland and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Baltimore property.
Your specific Baltimore rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Maryland lender network, use the Rate Direct pricer.
Baltimore buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Maryland, see the Maryland DPA guide.
Get your personalized Baltimore mortgage rate
The rates above are the market benchmark for Baltimore. Your actual rate depends on your scenario.