2026 FHA Loan Limits in Pennsylvania by County

The Federal Housing Administration (FHA) determines the maximum loan amount borrowers can qualify for when seeking an FHA loan. These FHA loan limits can vary by county and are based on the median home prices in each county. FHA loan limits are adjusted annually based on housing market changes. In Pennsylvania, FHA loan limits fall into two main categories:

• Standard Loan Limits. These limits apply to most counties in the state and serve as a baseline for FHA mortgages.
• High Cost Area Loan Limits. These limits are higher than the standard limits and apply to counties with significantly higher median home prices such as Bucks and Philadelphia counties.

For a 1 unit home (single family) the limits in Pennsylvania range from a standard limit of $541,287 up to a high cost limit of $630,200. FHA also has different loan limits based on the number of units in the home. Below are the 2026 FHA loan limits for 1- 4 unit properties in PA for each county.

County	1 Unit	2 Units	3 Units	4 Units
ADAMS, ALLEGHENY, ARMSTRONG, BEAVER, BEDFORD, BERKS, BLAIR, BRADFORD, BUTLER, CAMBRIA, CAMERON, CARBON, CENTRE, CLARION, CLEARFIELD	$541,287	$693,050	$837,700	$1,041,125
CLINTON, COLUMBIA, CRAWFORD, CUMBERLAND, DAUPHIN, ELK, ERIE, FAYETTE, FOREST, FRANKLIN, FULTON, GREENE, HUNTINGDON, INDIANA, JEFFERSON	$541,287	$693,050	$837,700	$1,041,125
JUNIATA, LACKAWANNA, LANCASTER, LAWRENCE, LEBANON, LEHIGH, LUZERNE, LYCOMING, MCKEAN, MERCER, MIFFLIN, MONROE, MONTOUR, NORTHAMPTON, NORTHUMBERLAND	$541,287	$693,050	$837,700	$1,041,125
PERRY, PIKE, POTTER, SCHUYLKILL, SNYDER, SOMERSET, SULLIVAN, SUSQUEHANNA, TIOGA, UNION, VENANGO, WARREN, WASHINGTON, WAYNE, WESTMORELAND, WYOMING, YORK	$541,287	$693,050	$837,700	$1,041,125
BUCKS, CHESTER, DELAWARE, MONTGOMERY, PHILADELPHIA	$630,200	$806,750	$975,200	$1,211,950

Look up 2026 loan limits for any US county

Use our calculator below to see exact 2026 FHA and conforming loan limits for any United States county.

2026 FHA loan limits in Pennsylvania high cost counties

Five of Pennsylvania's 67 counties qualify for a higher FHA loan limit in 2026, all of them in the Philadelphia-Camden-Wilmington Metropolitan Statistical Area. The 2026 FHA limit in all five counties is $630,200 for a one unit property, $88,913 above the state floor. Multi-unit limits go up to $806,750 (2 unit), $975,200 (3 unit), and $1,211,950 (4 unit). The remaining 62 Pennsylvania counties, including the entire Pittsburgh metro and the Lehigh Valley, carry the standard FHA floor limit of $541,287.

Philadelphia MSA FHA limits

The five Pennsylvania counties in the Philadelphia MSA share the 2026 FHA tier at $630,200 for a one unit property: Philadelphia (Philadelphia, including Center City, South Philadelphia, Northern Liberties, Fishtown, Manayunk, Mount Airy, Chestnut Hill, Roxborough), Bucks (Doylestown, Levittown, Newtown, Bensalem, Warminster, Quakertown, Yardley, Newtown Township), Chester (West Chester, Coatesville, Phoenixville, Downingtown, Kennett Square, Exton), Delaware (Chester, Upper Darby, Media, Springfield, Havertown, Wayne, Newtown Square), and Montgomery (Norristown, Pottstown, King of Prussia, Lansdale, Ambler, Conshohocken, Jenkintown, Cheltenham). Multi-unit limits in all five counties are $806,750 (2 unit), $975,200 (3 unit), and $1,211,950 (4 unit). The Philadelphia MSA is one of the most active FHA markets in the country, anchored by Philadelphia's substantial first-time buyer pool and the diverse housing stock across the suburban counties.

2026 FHA loan limits in Pennsylvania floor counties

Sixty two Pennsylvania counties carry the standard FHA floor limit in 2026. The floor for a one unit property is $541,287, with multi-unit limits at $693,050 (2 unit), $837,700 (3 unit), and $1,041,125 (4 unit). These limits cover the entirety of Western Pennsylvania including the Pittsburgh Metro, the Lehigh Valley, the Harrisburg Metro and broader South Central Pennsylvania, the Scranton-Wilkes Barre Metro, the Pocono Mountains, Erie, and all of rural Pennsylvania.

Pittsburgh Metro FHA limits

Despite being Pennsylvania's second largest metro and one of the major Mid-Atlantic metros by population the entire seven county Pittsburgh-New Kensington-Tarentum MSA carries the FHA floor at $541,287 for a one unit property. The seven counties are Allegheny (Pittsburgh, Mt. Lebanon, Bethel Park, Monroeville, West Mifflin, Plum, Penn Hills, McKeesport, Wilkinsburg, Brentwood), Beaver (Beaver, Aliquippa, Ambridge, Beaver Falls, Monaca, Hopewell, Center, Brighton), Butler (Butler, Cranberry Township, Mars, Zelienople, Slippery Rock), Westmoreland (Greensburg, Murrysville, Latrobe, Jeannette, Hempfield, Penn, Norwin), Washington (Washington, Canonsburg, McMurray, Peters Township, Bentleyville), Armstrong (Kittanning, Apollo, Ford City, Leechburg), and Fayette (Uniontown, Connellsville, Brownsville). Pittsburgh's median home prices have remained among the lowest of any major US metro, supporting widespread FHA accessibility. Local median home prices in Allegheny County hover near the high $200,000s, comfortably below the FHA floor and leaving substantial room for FHA financing on the bulk of single family transactions.

Lehigh Valley FHA limits

The Lehigh Valley counties of Lehigh (Allentown, Bethlehem, Emmaus, Whitehall, Macungie) and Northampton (Bethlehem, Easton, Nazareth, Bath, Forks Township) are at the FHA floor in 2026, with neighboring Carbon County (Jim Thorpe, Lehighton, Palmerton) also at the floor. The Lehigh Valley has seen home price appreciation in recent years driven by demand from New York and New Jersey buyers seeking relative affordability, but local medians remain below the threshold that would push the Lehigh and Northampton tiers above the floor.

Harrisburg Metro and South Central Pennsylvania

The Harrisburg-Carlisle Metropolitan Statistical Area covers Dauphin (Harrisburg, Hummelstown, Hershey, Middletown, Lower Paxton, Susquehanna Township), Cumberland (Carlisle, Mechanicsburg, Camp Hill, New Cumberland, Shippensburg), and Perry counties, all at the FHA floor. The neighboring counties of York (York, Hanover, Spring Grove, Red Lion, Dover, Manchester), Lancaster (Lancaster, Lititz, Manheim, Ephrata, Elizabethtown, Columbia, Mountville), Lebanon (Lebanon, Palmyra, Annville), Berks (Reading, Wyomissing, Mount Penn, Sinking Spring, Wernersville, Birdsboro), Adams (Gettysburg, Littlestown), and Franklin (Chambersburg, Waynesboro, Greencastle, Shippensburg) are also at the floor.

Scranton-Wilkes Barre, the Poconos, and Northeast Pennsylvania

The Scranton-Wilkes Barre-Hazleton Metropolitan Statistical Area covers Lackawanna (Scranton, Dunmore, Olyphant, Carbondale, Taylor), Luzerne (Wilkes Barre, Hazleton, Kingston, Plains, Pittston, Nanticoke), and Wyoming counties, all at the FHA floor. The Pocono Mountains region, including Monroe (Stroudsburg, East Stroudsburg, Mount Pocono, Tobyhanna, Tannersville), Pike (Milford, Matamoras, Lords Valley), Wayne (Honesdale, Hawley, Lake Wallenpaupack), and Carbon counties, is also at the floor. The Poconos have substantial second home and vacation rental activity, particularly along the Lake Wallenpaupack corridor and around Big Bear Lake.

Erie, North Central, and Rural Pennsylvania

Erie County (Erie, Millcreek, Harborcreek, Fairview, Lawrence Park, Edinboro) along Lake Erie carries the FHA floor in 2026, as does Crawford County (Meadville, Conneaut Lake, Cambridge Springs, Titusville) to the south. The North Central counties of Centre (State College, Bellefonte, Boalsburg, anchored by Penn State University), Clinton, Lycoming (Williamsport), Tioga, Potter, McKean (Bradford, Kane), and the smaller North Central rural counties are all at the floor. The Western rural counties of Mercer (Sharon, Hermitage, Grove City), Lawrence (New Castle, Ellwood City), Venango (Oil City, Franklin), and Forest are also at the floor. Median home prices across rural Pennsylvania remain well under $200,000 in many counties, leaving substantial room under the FHA cap for nearly all purchases.

What happens if your Pennsylvania purchase exceeds the FHA loan limit?

If your purchase price requires a loan that exceeds the FHA limit for your Pennsylvania county, FHA financing isn't an option for the full amount. Common alternatives include:

• Conventional conforming loan. The 2026 Pennsylvania conforming loan limit is $832,750 statewide. Conventional financing reaches significantly further than FHA in every Pennsylvania county. Conventional loans require 3-5% minimum down for first time buyers with a 620+ credit score, or 20% down to avoid mortgage insurance. See our 2026 Pennsylvania Conforming Loan Limits page for full conforming county details.
• Jumbo loan. If your purchase exceeds both FHA and conforming limits, jumbo financing is the next option. Jumbo requirements are typically stricter (700+ credit score, 10-20% down, lower DTI), but rates often price competitively with conforming for strong borrowers. Pennsylvania's most active jumbo markets are in the Main Line suburbs of Philadelphia (Lower Merion, Bryn Mawr, Wayne, Villanova, Devon, Gladwyne), Bucks County's higher-priced areas (Newtown, New Hope, Buckingham, Solebury), and the highest-end Pittsburgh addresses (Fox Chapel, Sewickley, Mt. Lebanon).
• Larger down payment. Increasing your down payment can bring your loan amount within the FHA or conforming limit. In Pittsburgh, the Lehigh Valley, Harrisburg, and other floor counties where the FHA limit is $541,287, a larger down payment can keep FHA financing as an option on most Pennsylvania purchases.

How to get pre-approved for a Pennsylvania FHA loan

Getting pre-approved for a FHA mortgage is quick and easy with our Online Loan Application. After completing the application, you will receive instructions on how to upload your documents. For a list of documents you will need to upload, see our Pre-approval Document Checklist.

Ready to get started on your PA FHA loan?

Whether you're a first-time buyer, refinancing an existing FHA loan, or considering an FHA 203(k) renovation loan, Alpine Mortgage is ready to help. The next step depends on where you are in the process:

Or call (201) 488-8809 to speak with a Pennsylvania FHA loan originator today.

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