What are the loan limits in each Pennsylvania county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adams County | $832,750 | $541,287 | $693,050 | $256,100 |
| Allegheny County | $832,750 | $541,287 | $693,050 | $216,700 |
| Armstrong County | $832,750 | $541,287 | $693,050 | $146,300 |
| Beaver County | $832,750 | $541,287 | $693,050 | $185,500 |
| Bedford County | $832,750 | $541,287 | $693,050 | $172,900 |
| Berks County | $832,750 | $541,287 | $693,050 | $239,700 |
| Blair County | $832,750 | $541,287 | $693,050 | $156,700 |
| Bradford County | $832,750 | $541,287 | $693,050 | $182,300 |
| Bucks County | $832,750 | $630,200 | $806,750 | $421,700 |
| Butler County | $832,750 | $541,287 | $693,050 | $275,600 |
| Cambria County | $832,750 | $541,287 | $693,050 | $115,900 |
| Cameron County | $832,750 | $541,287 | $693,050 | $88,200 |
| Carbon County | $832,750 | $541,287 | $693,050 | $193,700 |
| Centre County | $832,750 | $541,287 | $693,050 | $308,100 |
| Chester County | $832,750 | $630,200 | $806,750 | $461,800 |
| Clarion County | $832,750 | $541,287 | $693,050 | $152,100 |
| Clearfield County | $832,750 | $541,287 | $693,050 | $125,000 |
| Clinton County | $832,750 | $541,287 | $693,050 | $179,100 |
| Columbia County | $832,750 | $541,287 | $693,050 | $199,200 |
| Crawford County | $832,750 | $541,287 | $693,050 | $143,400 |
| Cumberland County | $832,750 | $541,287 | $693,050 | $261,900 |
| Dauphin County | $832,750 | $541,287 | $693,050 | $222,300 |
| Delaware County | $832,750 | $630,200 | $806,750 | $302,400 |
| Elk County | $832,750 | $541,287 | $693,050 | $128,600 |
| Erie County | $832,750 | $541,287 | $693,050 | $169,500 |
| Fayette County | $832,750 | $541,287 | $693,050 | $126,900 |
| Forest County | $832,750 | $541,287 | $693,050 | $111,900 |
| Franklin County | $832,750 | $541,287 | $693,050 | $236,300 |
| Fulton County | $832,750 | $541,287 | $693,050 | $206,000 |
| Greene County | $832,750 | $541,287 | $693,050 | $146,200 |
| Huntingdon County | $832,750 | $541,287 | $693,050 | $180,300 |
| Indiana County | $832,750 | $541,287 | $693,050 | $145,400 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $126,700 |
| Juniata County | $832,750 | $541,287 | $693,050 | $206,300 |
| Lackawanna County | $832,750 | $541,287 | $693,050 | $189,900 |
| Lancaster County | $832,750 | $541,287 | $693,050 | $279,400 |
| Lawrence County | $832,750 | $541,287 | $693,050 | $136,700 |
| Lebanon County | $832,750 | $541,287 | $693,050 | $227,300 |
| Lehigh County | $832,750 | $541,287 | $693,050 | $276,100 |
| Luzerne County | $832,750 | $541,287 | $693,050 | $163,800 |
| Lycoming County | $832,750 | $541,287 | $693,050 | $195,600 |
| McKean County | $832,750 | $541,287 | $693,050 | $98,700 |
| Mercer County | $832,750 | $541,287 | $693,050 | $153,600 |
| Mifflin County | $832,750 | $541,287 | $693,050 | $142,900 |
| Monroe County | $832,750 | $541,287 | $693,050 | $241,200 |
| Montgomery County | $832,750 | $630,200 | $806,750 | $409,900 |
| Montour County | $832,750 | $541,287 | $693,050 | $240,300 |
| Northampton County | $832,750 | $541,287 | $693,050 | $285,000 |
| Northumberland County | $832,750 | $541,287 | $693,050 | $151,600 |
| Perry County | $832,750 | $541,287 | $693,050 | $222,800 |
| Philadelphia County | $832,750 | $630,200 | $806,750 | $232,400 |
| Pike County | $1,209,750 | $541,287 | $693,050 | $250,900 |
| Potter County | $832,750 | $541,287 | $693,050 | $146,200 |
| Schuylkill County | $832,750 | $541,287 | $693,050 | $140,400 |
| Snyder County | $832,750 | $541,287 | $693,050 | $205,500 |
| Somerset County | $832,750 | $541,287 | $693,050 | $130,600 |
| Sullivan County | $832,750 | $541,287 | $693,050 | $186,400 |
| Susquehanna County | $832,750 | $541,287 | $693,050 | $206,700 |
| Tioga County | $832,750 | $541,287 | $693,050 | $176,000 |
| Union County | $832,750 | $541,287 | $693,050 | $222,900 |
| Venango County | $832,750 | $541,287 | $693,050 | $114,500 |
| Warren County | $832,750 | $541,287 | $693,050 | $121,800 |
| Washington County | $832,750 | $541,287 | $693,050 | $220,600 |
| Wayne County | $832,750 | $541,287 | $693,050 | $228,200 |
| Westmoreland County | $832,750 | $541,287 | $693,050 | $193,100 |
| Wyoming County | $832,750 | $541,287 | $693,050 | $205,600 |
| York County | $832,750 | $541,287 | $693,050 | $235,000 |
Which Pennsylvania counties are high-cost areas?
Pike County has conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Pennsylvania
Frequently asked questions
FHA one-unit limits in Pennsylvania start at $541,287. In Philadelphia County, the most populous county, it's $630,200.
The 2026 one-unit conforming limit in Philadelphia County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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