Pennsylvania Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 67 counties in Pennsylvania. FHA limits in this state range from $541,287 to $786,337, while conforming limits range from $832,750 to $1,209,750.
2026 Loan Limits by County in Pennsylvania
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adams County | $541,287 | $832,750 | $268,500 |
| 2 | Allegheny County | $541,287 | $832,750 | $227,600 |
| 3 | Armstrong County | $541,287 | $832,750 | $157,300 |
| 4 | Beaver County | $541,287 | $832,750 | $190,900 |
| 5 | Bedford County | $541,287 | $832,750 | $179,000 |
| 6 | Berks County | $541,287 | $832,750 | $257,300 |
| 7 | Blair County | $541,287 | $832,750 | $161,100 |
| 8 | Bradford County | $541,287 | $832,750 | $187,500 |
| 9 | Bucks County | $541,287 | $832,750 | $445,700 |
| 10 | Butler County | $541,287 | $832,750 | $294,200 |
| 11 | Cambria County | $541,287 | $832,750 | $121,000 |
| 12 | Cameron County | $541,287 | $832,750 | $88,900 |
| 13 | Carbon County | $541,287 | $832,750 | $211,400 |
| 14 | Centre County | $541,287 | $832,750 | $323,500 |
| 15 | Chester County | $541,287 | $832,750 | $485,600 |
| 16 | Clarion County | $541,287 | $832,750 | $155,700 |
| 17 | Clearfield County | $541,287 | $832,750 | $137,000 |
| 18 | Clinton County | $541,287 | $832,750 | $175,900 |
| 19 | Columbia County | $541,287 | $832,750 | $206,200 |
| 20 | Crawford County | $541,287 | $832,750 | $153,200 |
| 21 | Cumberland County | $541,287 | $832,750 | $277,600 |
| 22 | Dauphin County | $541,287 | $832,750 | $236,400 |
| 23 | Delaware County | $541,287 | $832,750 | $332,200 |
| 24 | Elk County | $541,287 | $832,750 | $133,600 |
| 25 | Erie County | $541,287 | $832,750 | $177,000 |
| 26 | Fayette County | $541,287 | $832,750 | $143,200 |
| 27 | Forest County | $541,287 | $832,750 | $115,300 |
| 28 | Franklin County | $541,287 | $832,750 | $249,800 |
| 29 | Fulton County | $541,287 | $832,750 | $208,500 |
| 30 | Greene County | $541,287 | $832,750 | $153,900 |
| 31 | Huntingdon County | $541,287 | $832,750 | $183,200 |
| 32 | Indiana County | $541,287 | $832,750 | $152,800 |
| 33 | Jefferson County | $541,287 | $832,750 | $139,700 |
| 34 | Juniata County | $541,287 | $832,750 | $217,000 |
| 35 | Lackawanna County | $541,287 | $832,750 | $201,800 |
| 36 | Lancaster County | $541,287 | $832,750 | $301,100 |
| 37 | Lawrence County | $541,287 | $832,750 | $147,200 |
| 38 | Lebanon County | $541,287 | $832,750 | $242,000 |
| 39 | Lehigh County | $541,287 | $832,750 | $300,400 |
| 40 | Luzerne County | $541,287 | $832,750 | $174,100 |
| 41 | Lycoming County | $541,287 | $832,750 | $202,200 |
| 42 | McKean County | $541,287 | $832,750 | $104,500 |
| 43 | Mercer County | $541,287 | $832,750 | $164,000 |
| 44 | Mifflin County | $541,287 | $832,750 | $156,700 |
| 45 | Monroe County | $541,287 | $832,750 | $267,600 |
| 46 | Montgomery County | $541,287 | $832,750 | $436,700 |
| 47 | Montour County | $541,287 | $832,750 | $248,100 |
| 48 | Northampton County | $541,287 | $832,750 | $308,600 |
| 49 | Northumberland County | $541,287 | $832,750 | $162,400 |
| 50 | Perry County | $541,287 | $832,750 | $236,400 |
| 51 | Philadelphia County | $541,287 | $832,750 | $243,100 |
| 52 | Pike County | $786,337 | $1,209,750 | $272,600 |
| 53 | Potter County | $541,287 | $832,750 | $153,100 |
| 54 | Schuylkill County | $541,287 | $832,750 | $153,000 |
| 55 | Snyder County | $541,287 | $832,750 | $215,300 |
| 56 | Somerset County | $541,287 | $832,750 | $150,600 |
| 57 | Sullivan County | $541,287 | $832,750 | $197,100 |
| 58 | Susquehanna County | $541,287 | $832,750 | $216,400 |
| 59 | Tioga County | $541,287 | $832,750 | $181,100 |
| 60 | Union County | $541,287 | $832,750 | $240,100 |
| 61 | Venango County | $541,287 | $832,750 | $119,800 |
| 62 | Warren County | $541,287 | $832,750 | $127,500 |
| 63 | Washington County | $541,287 | $832,750 | $228,500 |
| 64 | Wayne County | $541,287 | $832,750 | $242,100 |
| 65 | Westmoreland County | $541,287 | $832,750 | $203,500 |
| 66 | Wyoming County | $541,287 | $832,750 | $215,400 |
| 67 | York County | $541,287 | $832,750 | $248,600 |
About Pennsylvania's Mortgage Market
Pennsylvania has 67 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Pennsylvania range from $541,287 to $786,337 for a single-family home. Conforming limits range from $832,750 to $1,209,750.
Use our mortgage calculator to compute monthly payments using Pennsylvania-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Pennsylvania?
The highest 2026 FHA limit in Pennsylvania is $786,337 for a single-family home.
What is the maximum conforming loan limit in Pennsylvania?
The highest 2026 conforming loan limit in Pennsylvania is $1,209,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Pennsylvania?
Pennsylvania has 67 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.