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FHA loans in Indiana, PA

Quick answer

The 2026 FHA loan limit in Indiana, PA (Indiana County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $123,300 median home value, that down payment is about $4,316 and the estimated payment is $1,115/month at 7.18%, which needs roughly $48,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $44,784; value-to-income ratio 2.75. Indiana ranks 69 by home value and 49 by population among 87 places in our PA dataset.

What does an FHA loan cost on a typical Indiana home?

ItemIndiana
Median home value (Census ACS)$123,300
Pennsylvania median home value$240,500
Down payment (3.5%)$4,316
Loan incl. 1.75% upfront MIP$121,067
Estimated monthly payment (PITI + MI)$1,115
Income needed (28% / 36%)$48,000 / $38,000
Indiana County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Pennsylvania's 1.35% effective property tax rate (Census ACS), $1,217/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Indiana?

Indiana is in Indiana County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Indiana median home value of $123,300 is 49% below the Pennsylvania median, and within what the county limit supports.

Which down payment assistance programs can Indiana buyers use?

FHA loans in nearby cities

JohnstownMurrysvilleLower BurrellGreensburgNew KensingtonPlum

FHA loan FAQs for Indiana

Indiana is in Indiana County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $123,300 is about $4,316 with a 580+ credit score (10%, or $12,330, with a 500–579 score), plus closing costs.

At the $123,300 median value (below the Pennsylvania median of $240,500), the estimated payment of $1,115/month at 7.18% needs about $48,000 a year under the 28% housing guideline, or $38,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.