Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in West Chester, PA

Quick answer

The 2026 FHA loan limit in West Chester, PA (Chester County) is $630,200 for a single-family home, enough for a purchase price up to about $653,000 with 3.5% down. On the $481,300 median home value, that down payment is about $16,846 and the estimated payment is $4,056/month at 7.18%, which needs roughly $174,000 a year in income.

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

Median household income: $81,492; value-to-income ratio 5.91. West Chester ranks 1 by home value and 34 by population among 87 places in our PA dataset.

What does an FHA loan cost on a typical West Chester home?

ItemWest Chester
Median home value (Census ACS)$481,300
Pennsylvania median home value$240,500
Down payment (3.5%)$16,846
Loan incl. 1.75% upfront MIP$472,582
Estimated monthly payment (PITI + MI)$4,056
Income needed (28% / 36%)$174,000 / $136,000
Chester County 2026 FHA limit (1 unit)$630,200
Max purchase price at the limit$653,000

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 West Chester?

West Chester is in Chester County where HUD's 2026 one-unit FHA limit is $630,200. With the minimum 3.5% down, that caps the purchase price at about $653,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The West Chester median home value of $481,300 is 100% above the Pennsylvania median, and within what the county limit supports.

Which down payment assistance programs can West Chester buyers use?

FHA loans in nearby cities

CoatesvillePhoenixvilleBroomallChesterWoodlynKing of Prussia

FHA loan FAQs for West Chester

West Chester is in Chester County, where HUD's 2026 FHA limit for a one-unit home is $630,200. With 3.5% down, that supports a purchase price up to about $653,000.

3.5% of $481,300 is about $16,846 with a 580+ credit score (10%, or $48,130, with a 500–579 score), plus closing costs.

At the $481,300 median value (above the Pennsylvania median of $240,500), the estimated payment of $4,056/month at 7.18% needs about $174,000 a year under the 28% housing guideline, or $136,000 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.

Get matched with FHA lenders in West Chester

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

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.