Median household income: $64,137; value-to-income ratio 3.01. Pittsburgh ranks 44 by home value and 2 by population among 87 places in our PA dataset.
What does an FHA loan cost on a typical Pittsburgh home?
| Item | Pittsburgh |
|---|---|
| Median home value (Census ACS) | $193,200 |
| Pennsylvania median home value | $240,500 |
| Down payment (3.5%) | $6,762 |
| Loan incl. 1.75% upfront MIP | $189,701 |
| Estimated monthly payment (PITI + MI) | $1,689 |
| Income needed (28% / 36%) | $73,000 / $57,000 |
| Allegheny 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 Pittsburgh?
Pittsburgh is in Allegheny 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 Pittsburgh median home value of $193,200 is 20% below the Pennsylvania median, and within what the county limit supports.
Which down payment assistance programs can Pittsburgh buyers use?
- Down Payment and Closing Cost Assistance Program (DPCCAP) — Up to $7,500 (under 80% AMI); up to $5,000 (80-115% AMI); deferred loan; city-level. Urban Redevelopment Authority of Pittsburgh · Verified October 25, 2026
- Keystone Forgivable in Ten Years (K-FIT) — 5% of the lesser of purchase price or appraised value, no maximum dollar limit; forgivable; state-level. Pennsylvania Housing Finance Agency · Verified October 23, 2026
FHA loans in nearby cities
FHA loan FAQs for Pittsburgh
Sources
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- HUD Single Family Housing Policy Handbook 4000.1
- NAIC — Homeowners Insurance Report, Data for 2023 (HO-3 average premium)
- Freddie Mac — Primary Mortgage Market Survey
- Urban Redevelopment Authority of Pittsburgh — Down Payment and Closing Cost Assistance Program (DPCCAP)
- Pennsylvania Housing Finance Agency — Keystone Forgivable in Ten Years (K-FIT)
Data last updated October 23, 2026.
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Get My MatchesFigures 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.