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FHA loans in Wilkinsburg, PA

Quick answer

The 2026 FHA loan limit in Wilkinsburg, PA (Allegheny 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 $140,300 median home value, that down payment is about $4,911 and the estimated payment is $1,254/month at 7.18%, which needs roughly $54,000 a year in income.

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

Median household income: $48,565; value-to-income ratio 2.89. Wilkinsburg ranks 64 by home value and 50 by population among 87 places in our PA dataset.

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

ItemWilkinsburg
Median home value (Census ACS)$140,300
Pennsylvania median home value$240,500
Down payment (3.5%)$4,911
Loan incl. 1.75% upfront MIP$137,759
Estimated monthly payment (PITI + MI)$1,254
Income needed (28% / 36%)$54,000 / $42,000
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 Wilkinsburg?

Wilkinsburg 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 Wilkinsburg median home value of $140,300 is 42% below the Pennsylvania median, and within what the county limit supports.

Which down payment assistance programs can Wilkinsburg buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Wilkinsburg

Wilkinsburg is in Allegheny 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 $140,300 is about $4,911 with a 580+ credit score (10%, or $14,030, with a 500–579 score), plus closing costs.

At the $140,300 median value (below the Pennsylvania median of $240,500), the estimated payment of $1,254/month at 7.18% needs about $54,000 a year under the 28% housing guideline, or $42,000 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.