2026 FHA Loan Limits in Pennsylvania
If you’re looking to purchase a home in Pennsylvania, you may qualify for a loan backed by the Federal Housing Administration (FHA). These loans offer less stringent qualification requirements than conventional loans.
Pennsylvania FHA loan limits vary by county, ranging from $541,287 for single-family homes in most counties up to $630,200 in the more expensive metro areas. Here’s what you need to know about FHA loan limits and requirements in the Keystone State.
Pennsylvania FHA loan limits by county
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $293,000 |
| ALLEGHENY COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| ARMSTRONG COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| BEAVER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| BEDFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| BERKS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| BLAIR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| BRADFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| BUCKS COUNTY | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| BUTLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| CAMBRIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| CAMERON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $57,000 |
| CARBON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $395,000 |
| CENTRE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $343,000 |
| CHESTER COUNTY | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| CLARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $129,000 |
| CLEARFIELD COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $112,000 |
| CLINTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| COLUMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $183,000 |
| CRAWFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| CUMBERLAND COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $323,000 |
| DAUPHIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $323,000 |
| DELAWARE COUNTY | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| ELK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| ERIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| FAYETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| FOREST COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $89,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $258,000 |
| FULTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| GREENE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| HUNTINGDON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| INDIANA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| JUNIATA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| LACKAWANNA COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $304,000 |
| LANCASTER COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| LAWRENCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| LEBANON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $256,000 |
| LEHIGH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $395,000 |
| LUZERNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $304,000 |
| LYCOMING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| MCKEAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| MERCER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $135,000 |
| MIFFLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $295,000 |
| MONTGOMERY COUN | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| MONTOUR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| NORTHAMPTON COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $395,000 |
| NORTHUMBERLAND | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| PERRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $323,000 |
| PHILADELPHIA CO | $630,200 | $806,750 | $975,200 | $1,211,950 | $548,000 |
| PIKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $284,000 |
| POTTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| SCHUYLKILL COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $115,000 |
| SNYDER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $202,000 |
| SOMERSET COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| SULLIVAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| SUSQUEHANNA COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $154,000 |
| TIOGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| UNION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $260,000 |
| VENANGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $105,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| WESTMORELAND CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| WYOMING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $304,000 |
| YORK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $279,000 |
How are FHA loan limits determined?
FHA loan limits fluctuate from year to year based on the conforming loan limits for traditional mortgages, which are set by the Federal Housing Finance Agency (FHFA). For 2026, the conforming loan limit is $832,750 in most areas.
FHA loan limits are set at a percentage of these conforming loan limits. The “floor,” or the lowest loan limit, is 65% of the conforming loan limit. In 2026, the floor is $541,287 for a single-unit property. The ceiling, or the highest loan limit for high-cost areas, is calculated at 150% of the conforming loan limit. In 2026, the ceiling is $1,249,125. Each county in Pennsylvania has its own loan limit based on median home prices in that area.
How to qualify for an FHA loan in Pennsylvania
In general, FHA loans are easier to qualify for than traditional loans. If you don’t have a large down payment or your credit score is on the lower end, you may still be eligible for an FHA loan. There are, however, still a number of boxes you must be able to check in order to receive an FHA loan for a single-unit property:
- Down payment: The down payment amount required for an FHA loan is dependent on your credit score. You can have a down payment as low as 3.5% if your credit score is at least 580. You’ll need 10% down if your credit score is between 500 and 579.
- Credit score: The lowest credit score that will qualify you for an FHA loan is 500. You’ll need a larger down payment if it’s below 580: 10% down versus 3.5% down.
- Debt-to-income ratio: In general, you need a debt-to-income ratio of no more than 43%. That’s calculated by dividing your total debt by your pre-tax income. However, if you have a strong credit score and extra cash reserves, you may qualify with a debt-to-income ratio of up to 50%.
- Mortgage insurance: In order to take out an FHA loan, you’re required to have two types of mortgage insurance: An upfront mortgage insurance premium (1.75% of the loan amount) and an annual mortgage insurance premium (between 0.15% and 0.75% of the loan amount, depending on the loan term, amount and other factors).
- Appraisal: An FHA appraisal is required for FHA loans. The cost typically ranges from $400 to $700.
- Occupancy: The property you’re purchasing the loan with must be your principal residence for at least one year. The U.S. Department of Housing and Urban Development (HUD) defines this as “a property that will be occupied by the borrower for the majority of the calendar year.”
Buying a multifamily property with an FHA loan
You may also qualify for an FHA loan to purchase a multifamily home with two to four units, which would allow you to rent out the additional units and pursue house hacking. However, the loan limits and borrower requirements are a bit different than those for single-unit FHA loans. Requirements for multifamily properties include:
- Occupancy: The owner must live in one of the units for one year.
- Down payment: A 3.5% minimum down payment is required.
- Credit score: A minimum credit score of 580 is required with a 3.5% down payment, but it can be as low as 500 with a 10% down payment.
- Cash reserves: If you’re buying a property with three to four units, you must have cash reserves equal to three months’ worth of principal, interest, taxes and insurance payments (known as PITI). properties in Pennsylvania in 2025 are:
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Pennsylvania
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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