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2025 FHA Loan Limits in Pennsylvania

Julie Ryan Evans
Written by Julie Ryan Evans
Anna-Louise Jackson
Edited by Anna-Louise Jackson
Updated on: January 9, 2025 Content was accurate at the time of publication.
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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 traditional loans.

In Pennsylvania, FHA loan limits vary by area, ranging from $524,225 for single-family homes in the majority of counties, up to $1,209,750 in one of the more expensive metro areas (Pike County, which is part of the New York City metropolitan area). Here’s what you need to know about how to qualify for an FHA loan in the Keystone State and how to get your application started.

Pennsylvania FHA loan limits by county

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ADAMS$524,225$671,200$811,275$1,008,300$270,000
ALLEGHENY$524,225$671,200$811,275$1,008,300$300,000
ARMSTRONG$524,225$671,200$811,275$1,008,300$300,000
BEAVER$524,225$671,200$811,275$1,008,300$300,000
BEDFORD$524,225$671,200$811,275$1,008,300$120,000
BERKS$524,225$671,200$811,275$1,008,300$246,000
BLAIR$524,225$671,200$811,275$1,008,300$140,000
BRADFORD$524,225$671,200$811,275$1,008,300$150,000
BUCKS$594,550$761,150$920,050$1,143,400$517,000
BUTLER$524,225$671,200$811,275$1,008,300$300,000
CAMBRIA$524,225$671,200$811,275$1,008,300$81,000
CAMERON$524,225$671,200$811,275$1,008,300$36,000
CARBON$524,225$671,200$811,275$1,008,300$350,000
CENTRE$524,225$671,200$811,275$1,008,300$326,000
CHESTER$594,550$761,150$920,050$1,143,400$517,000
CLARION$524,225$671,200$811,275$1,008,300$105,000
CLEARFIELD$524,225$671,200$811,275$1,008,300$93,000
CLINTON$524,225$671,200$811,275$1,008,300$170,000
COLUMBIA$524,225$671,200$811,275$1,008,300$238,000
CRAWFORD$524,225$671,200$811,275$1,008,300$115,000
CUMBERLAND$524,225$671,200$811,275$1,008,300$305,000
DAUPHIN$524,225$671,200$811,275$1,008,300$305,000
DELAWARE$594,550$761,150$920,050$1,143,400$517,000
ELK$524,225$671,200$811,275$1,008,300$80,000
ERIE$524,225$671,200$811,275$1,008,300$160,000
FAYETTE$524,225$671,200$811,275$1,008,300$300,000
FOREST$524,225$671,200$811,275$1,008,300$54,000
FRANKLIN$524,225$671,200$811,275$1,008,300$250,000
FULTON$524,225$671,200$811,275$1,008,300$175,000
GREENE$524,225$671,200$811,275$1,008,300$75,000
HUNTINGDON$524,225$671,200$811,275$1,008,300$130,000
INDIANA$524,225$671,200$811,275$1,008,300$120,000
JEFFERSON$524,225$671,200$811,275$1,008,300$85,000
JUNIATA$524,225$671,200$811,275$1,008,300$163,000
LACKAWANNA$524,225$671,200$811,275$1,008,300$185,000
LANCASTER$524,225$671,200$811,275$1,008,300$330,000
LAWRENCE$524,225$671,200$811,275$1,008,300$115,000
LEBANON$524,225$671,200$811,275$1,008,300$232,000
LEHIGH$524,225$671,200$811,275$1,008,300$350,000
LUZERNE$524,225$671,200$811,275$1,008,300$185,000
LYCOMING$524,225$671,200$811,275$1,008,300$180,000
MCKEAN$524,225$671,200$811,275$1,008,300$75,000
MERCER$524,225$671,200$811,275$1,008,300$149,000
MIFFLIN$524,225$671,200$811,275$1,008,300$115,000
MONROE$524,225$671,200$811,275$1,008,300$275,000
MONTGOMERY$594,550$761,150$920,050$1,143,400$517,000
MONTOUR$524,225$671,200$811,275$1,008,300$238,000
NORTHAMPTON$524,225$671,200$811,275$1,008,300$350,000
NORTHUMBERLAND$524,225$671,200$811,275$1,008,300$75,000
PERRY$524,225$671,200$811,275$1,008,300$305,000
PHILADELPHIA$594,550$761,150$920,050$1,143,400$517,000
PIKE$1,209,750$1,548,975$1,872,225$2,326,875$1,138,000
POTTER$524,225$671,200$811,275$1,008,300$125,000
SCHUYLKILL$524,225$671,200$811,275$1,008,300$100,000
SNYDER$524,225$671,200$811,275$1,008,300$185,000
SOMERSET$524,225$671,200$811,275$1,008,300$120,000
SULLIVAN$524,225$671,200$811,275$1,008,300$100,000
SUSQUEHANNA$524,225$671,200$811,275$1,008,300$138,000
TIOGA$524,225$671,200$811,275$1,008,300$140,000
UNION$524,225$671,200$811,275$1,008,300$250,000
VENANGO$524,225$671,200$811,275$1,008,300$90,000
WARREN$524,225$671,200$811,275$1,008,300$90,000
WASHINGTON$524,225$671,200$811,275$1,008,300$300,000
WAYNE$524,225$671,200$811,275$1,008,300$231,000
WESTMORELAND$524,225$671,200$811,275$1,008,300$300,000
WYOMING$524,225$671,200$811,275$1,008,300$185,000
YORK$524,225$671,200$811,275$1,008,300$260,000

How are FHA loan limits determined?

FHA loan limits fluctuate yearly based on the conforming loan limits for traditional mortgages, which are set by the Federal Housing Finance Agency (FHFA). For 2025, the conforming loan limit is $806,500 in most areas.

FHA loan limits are set at a percentage of these conforming loan limits. The “floor” (or the lowest loan limit) is calculated at 65% of the conforming loan limit, which in 2025 equals $524,225 for a single-family property. The ceiling (or highest loan limit for high-cost areas) for 2025 is $1,209,750, which is calculated at 150% of the conforming loan limit.

There are even higher loan limits of $1,814,625 for single-family homes in Alaska, Hawaii, Guam and the U.S. Virgin Islands, which are designated special exception areas because of the high cost of housing and other factors.

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 isn’t very high, you may still qualify for one. There are, however, still several boxes you must be able to check in order to qualify for an FHA-backed 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% versus 3.5% if your credit score is 580 or above.
  • Debt-to-income ratio: In general, you need a debt-to-income (DTI) 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 for an FHA loan with a debt-to-income ratio up to 50%.
  • Mortgage insurance: In order to take out an FHA loan, you’re required to have two types of mortgage insurance: upfront mortgage insurance premium (1.75% of the loan amount) and annual mortgage insurance premium (between 0.15% and 0.75% of the loan amount, depending on the loan term, amount and other factors).
  • Appraisal and inspection: Both an FHA appraisal and an inspection are required for FHA loans. The cost typically ranges from $400 to $700.
  • Occupancy: The property you’re purchasing must be your principal residence for at least one year.

Buying a multifamily property with an FHA loan

If you’re interested in purchasing a multifamily home with two to four units and perhaps want to start house hacking, you may also qualify for an FHA loan. 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.
  • 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 PITI (principal, interest, taxes and insurance) payments.

FHA loan limits for multifamily properties in Pennsylvania in 2025 are:

Number of unitsLow-cost FHA loan limit
Two$671,200
Three $811,275
Four $1,008,300

FHA lenders in Pennsylvania

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