Pennsylvania loan limits 2026 by county
In 2026, 1 of the 67 counties in Pennsylvania has a conforming loan limit above the $832,750 national baseline; the highest is $1,209,750 for a one-unit home in Pike County. FHA limits run from $541,287 to $630,200: 5 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Pennsylvania county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Gettysburg, PA |
| Allegheny County | $832,750 | $541,287 | Pittsburgh, PA |
| Armstrong County | $832,750 | $541,287 | Pittsburgh, PA |
| Beaver County | $832,750 | $541,287 | Pittsburgh, PA |
| Bedford County | $832,750 | $541,287 | Non-Metro |
| Berks County | $832,750 | $541,287 | Reading, PA |
| Blair County | $832,750 | $541,287 | Altoona, PA |
| Bradford County | $832,750 | $541,287 | Sayre, PA |
| Bucks County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Butler County | $832,750 | $541,287 | Pittsburgh, PA |
| Cambria County | $832,750 | $541,287 | Johnstown, PA |
| Cameron County | $832,750 | $541,287 | Non-Metro |
| Carbon County | $832,750 | $541,287 | Allentown-Bethlehem-Easton, PA-NJ |
| Centre County | $832,750 | $541,287 | State College, PA |
| Chester County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Clarion County | $832,750 | $541,287 | Non-Metro |
| Clearfield County | $832,750 | $541,287 | Dubois, PA |
| Clinton County | $832,750 | $541,287 | Lock Haven, PA |
| Columbia County | $832,750 | $541,287 | Bloomsburg-Berwick, PA |
| Crawford County | $832,750 | $541,287 | Meadville, PA |
| Cumberland County | $832,750 | $541,287 | Harrisburg-Carlisle, PA |
| Dauphin County | $832,750 | $541,287 | Harrisburg-Carlisle, PA |
| Delaware County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Elk County | $832,750 | $541,287 | St. Marys, PA |
| Erie County | $832,750 | $541,287 | Erie, PA |
| Fayette County | $832,750 | $541,287 | Pittsburgh, PA |
| Forest County | $832,750 | $541,287 | Non-Metro |
| Franklin County | $832,750 | $541,287 | Chambersburg, PA |
| Fulton County | $832,750 | $541,287 | Non-Metro |
| Greene County | $832,750 | $541,287 | Non-Metro |
| Huntingdon County | $832,750 | $541,287 | Huntingdon, PA |
| Indiana County | $832,750 | $541,287 | Indiana, PA |
| Jefferson County | $832,750 | $541,287 | Non-Metro |
| Juniata County | $832,750 | $541,287 | Non-Metro |
| Lackawanna County | $832,750 | $541,287 | Scranton--Wilkes-Barre, PA |
| Lancaster County | $832,750 | $541,287 | Lancaster, PA |
| Lawrence County | $832,750 | $541,287 | Pittsburgh, PA |
| Lebanon County | $832,750 | $541,287 | Lebanon, PA |
| Lehigh County | $832,750 | $541,287 | Allentown-Bethlehem-Easton, PA-NJ |
| Luzerne County | $832,750 | $541,287 | Scranton--Wilkes-Barre, PA |
| Lycoming County | $832,750 | $541,287 | Williamsport, PA |
| McKean County | $832,750 | $541,287 | Bradford, PA |
| Mercer County | $832,750 | $541,287 | Hermitage, PA |
| Mifflin County | $832,750 | $541,287 | Lewistown, PA |
| Monroe County | $832,750 | $541,287 | East Stroudsburg, PA |
| Montgomery County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Montour County | $832,750 | $541,287 | Sunbury, PA |
| Northampton County | $832,750 | $541,287 | Allentown-Bethlehem-Easton, PA-NJ |
| Northumberland County | $832,750 | $541,287 | Sunbury, PA |
| Perry County | $832,750 | $541,287 | Harrisburg-Carlisle, PA |
| Philadelphia County | $832,750 | $630,200 | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| Pike County | $1,209,750 | $541,287 | Hemlock Farms, PA |
| Potter County | $832,750 | $541,287 | Non-Metro |
| Schuylkill County | $832,750 | $541,287 | Pottsville, PA |
| Snyder County | $832,750 | $541,287 | Selinsgrove, PA |
| Somerset County | $832,750 | $541,287 | Somerset, PA |
| Sullivan County | $832,750 | $541,287 | Non-Metro |
| Susquehanna County | $832,750 | $541,287 | Non-Metro |
| Tioga County | $832,750 | $541,287 | Non-Metro |
| Union County | $832,750 | $541,287 | Lewisburg, PA |
| Venango County | $832,750 | $541,287 | Oil City, PA |
| Warren County | $832,750 | $541,287 | Warren, PA |
| Washington County | $832,750 | $541,287 | Pittsburgh, PA |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| Westmoreland County | $832,750 | $541,287 | Pittsburgh, PA |
| Wyoming County | $832,750 | $541,287 | Scranton--Wilkes-Barre, PA |
| York County | $832,750 | $541,287 | York-Hanover, PA |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Pennsylvania
Bucks County ($630,200), Chester County ($630,200), Delaware County ($630,200), Montgomery County ($630,200) and Philadelphia County ($630,200). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Pennsylvania
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Pennsylvania fair market rentsHUD Fair Market Rents for every Pennsylvania county, studios to 4 bedrooms.
- Pennsylvania property tax ratesEffective property tax rate for every Pennsylvania county from survey data.
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Questions about Pennsylvania loan limits
What are the FHA loan limits in Pennsylvania for 2026?
$541,287 to $630,200 for a one-unit home, depending on the county. 5 counties are above the national floor of $541,287, led by Bucks County ($630,200), Chester County ($630,200) and Delaware County ($630,200); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Pennsylvania for 2026?
$832,750 to $1,209,750 for a one-unit home, by county; 1 county is above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Pennsylvania?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,209,750 in Pennsylvania for 2026: 25 percent of that limit minus the entitlement already used.
Which Pennsylvania counties have the highest loan limits?
Conforming: Pike County at $1,209,750. FHA: Bucks County at $630,200. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/pennsylvania. Not lending advice.