2019 FHA Loan Limits in Pennsylvania
In Pennsylvania, the maximum mortgage amount for FHA loans ranges between $314,827 and $726,525, depending on which county you live in.
Pennsylvania is a state of contrasts: While much of the state is rural, mountainous and affordable, big-city lovers can get their fix in Philadelphia or in one of the New York City suburbs located in the state, although home prices in the metropolitan areas reflect that appeal.
The median home price in Philadelphia is $240,600, and Pike County, considered part of the NYC metro area (specifically the Newark-Union, NJ-PA Metropolitan Division), has a staggering median price of $1,045,000. However, most parts of the state are significantly less expensive and roughly on par with most areas of the United States.
If you’re seeking a Federal Housing Administration (FHA) loan in Pennsylvania, you’re not alone: The state originated 3.68% of FHA loans endorsed nationwide in 2018, and that number increased from 2017, according to an FHA report.
Pennsylvania FHA loan limits by county
| FHA Loan Limits in Pennsylvania | |||||
| County Name | One-Family | Two-Family | Three-Family | Four-Family | Median Sale Price |
| Adams | $314,827 | $403,125 | $487,250 | $605,525 | $180,000 |
| Allegheny | $314,827 | $403,125 | $487,250 | $605,525 | $228,000 |
| Armstrong | $314,827 | $403,125 | $487,250 | $605,525 | $228,000 |
| Beaver | $314,827 | $403,125 | $487,250 | $605,525 | $228,000 |
| Bedford | $314,827 | $403,125 | $487,250 | $605,525 | $90,000 |
| Berks | $314,827 | $403,125 | $487,250 | $605,525 | $150,000 |
| Blair | $314,827 | $403,125 | $487,250 | $605,525 | $90,000 |
| Bradford | $314,827 | $403,125 | $487,250 | $605,525 | $110,000 |
| Bucks | $402,500 | $515,250 | $622,850 | $774,050 | $350,000 |
| Butler | $314,827 | $403,125 | $487,250 | $605,525 | $228,000 |
| Cambria | $314,827 | $403,125 | $487,250 | $605,525 | $57,000 |
| Cameron | $314,827 | $403,125 | $487,250 | $605,525 | $72,000 |
| Carbon | $372,600 | $477,000 | $576,550 | $716,550 | $220,000 |
| Centre | $314,827 | $403,125 | $487,250 | $605,525 | $223,000 |
| Chester | $402,500 | $515,250 | $622,850 | $774,050 | $350,000 |
| Clarion | $314,827 | $403,125 | $487,250 | $605,525 | $63,000 |
| Clearfield | $314,827 | $403,125 | $487,250 | $605,525 | $66,000 |
| Clinton | $314,827 | $403,125 | $487,250 | $605,525 | $115,000 |
| Columbia | $314,827 | $403,125 | $487,250 | $605,525 | $163,000 |
| Crawford | $314,827 | $403,125 | $487,250 | $605,525 | $75,000 |
| Cumberland | $314,827 | $403,125 | $487,250 | $605,525 | $198,000 |
| Dauphin | $314,827 | $403,125 | $487,250 | $605,525 | $198,000 |
| Delaware | $402,500 | $515,250 | $622,850 | $774,050 | $350,000 |
| Elk | $314,827 | $403,125 | $487,250 | $605,525 | $97,000 |
| Erie | $314,827 | $403,125 | $487,250 | $605,525 | $115,000 |
| Fayette | $314,827 | $403,125 | $487,250 | $605,525 | $228,000 |
| Forest | $314,827 | $403,125 | $487,250 | $605,525 | $90,000 |
| Franklin | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| Fulton | $314,827 | $403,125 | $487,250 | $605,525 | $111,000 |
| Greene | $314,827 | $403,125 | $487,250 | $605,525 | $75,000 |
| Huntingdon | $314,827 | $403,125 | $487,250 | $605,525 | $85,000 |
| Indiana | $314,827 | $403,125 | $487,250 | $605,525 | $88,000 |
| Jefferson | $314,827 | $403,125 | $487,250 | $605,525 | $64,000 |
| Juniata | $314,827 | $403,125 | $487,250 | $605,525 | $104,000 |
| Lackawanna | $314,827 | $403,125 | $487,250 | $605,525 | $146,000 |
| Lancaster | $314,827 | $403,125 | $487,250 | $605,525 | $203,000 |
| Lawrence | $314,827 | $403,125 | $487,250 | $605,525 | $77,000 |
| Lebanon | $314,827 | $403,125 | $487,250 | $605,525 | $157,000 |
| Lehigh | $372,600 | $477,000 | $576,550 | $716,550 | $220,000 |
| Luzerne | $314,827 | $403,125 | $487,250 | $605,525 | $146,000 |
| Lycoming | $314,827 | $403,125 | $487,250 | $605,525 | $131,000 |
| Mckean | $314,827 | $403,125 | $487,250 | $605,525 | $53,000 |
| Mercer | $314,827 | $403,125 | $487,250 | $605,525 | $88,000 |
| Mifflin | $314,827 | $403,125 | $487,250 | $605,525 | $78,000 |
| Monroe | $314,827 | $403,125 | $487,250 | $605,525 | $139,000 |
| Montgomery | $402,500 | $515,250 | $622,850 | $774,050 | $350,000 |
| Montour | $314,827 | $403,125 | $487,250 | $605,525 | $163,000 |
| Northampton | $372,600 | $477,000 | $576,550 | $716,550 | $220,000 |
| Northumberland | $314,827 | $403,125 | $487,250 | $605,525 | $68,000 |
| Perry | $314,827 | $403,125 | $487,250 | $605,525 | $198,000 |
| Philadelphia | $402,500 | $515,250 | $622,850 | $774,050 | $350,000 |
| Pike | $726,525 | $930,300 | $1,124,475 | $1,397,400 | $1,045,000 |
| Potter | $314,827 | $403,125 | $487,250 | $605,525 | $76,000 |
| Schuylkill | $314,827 | $403,125 | $487,250 | $605,525 | $80,000 |
| Snyder | $314,827 | $403,125 | $487,250 | $605,525 | $131,000 |
| Somerset | $314,827 | $403,125 | $487,250 | $605,525 | $95,000 |
| Sullivan | $314,827 | $403,125 | $487,250 | $605,525 | $84,000 |
| Susquehanna | $314,827 | $403,125 | $487,250 | $605,525 | $99,000 |
| Tioga | $314,827 | $403,125 | $487,250 | $605,525 | $106,000 |
| Union | $314,827 | $403,125 | $487,250 | $605,525 | $165,000 |
| Venango | $314,827 | $403,125 | $487,250 | $605,525 | $59,000 |
| Warren | $314,827 | $403,125 | $487,250 | $605,525 | $66,000 |
| Washington | $314,827 | $403,125 | $487,250 | $605,525 | $228,000 |
| Wayne | $314,827 | $403,125 | $487,250 | $605,525 | $129,000 |
| Westmoreland | $314,827 | $403,125 | $487,250 | $605,525 | $228,000 |
| Wyoming | $314,827 | $403,125 | $487,250 | $605,525 | $146,000 |
| York | $314,827 | $403,125 | $487,250 | $605,525 | $175,000 |
How are FHA loan limits determined?
The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit — or how large of a mortgage conventional lenders Fannie Mae and Freddie Mac will purchase. In 2019, that limit is $484,350. The FHA’s “floor” is the largest mortgage the agency will issue in most of the country and is set at $314,827 for 2019.
The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.
Here are the 2019 standard FHA limits for all property types:
- One-unit: $314,827
- Two-unit: $403,125
- Three-unit: $487,250
- Four-unit: $605,525
Here are the 2019 standard FHA limits for high-cost areas:
- One-unit: $726,525
- Two-unit: $930,300
- Three-unit: $1,124,475
- Four-unit: $1,397,400
Do you qualify for an FHA loan in Pennsylvania?
If you’re seeking to buy a home with an FHA loan in Pennsylvania, there are a number of options, no matter where you live. As long as you plan to take out a mortgage that fits within the program’s loan parameters, an FHA loan may be a good solution for you.
To learn more about credit score, income and other requirements, visit LendingTree’s FHA loans page, which has a wealth of information about the process and a rate-comparison tool.
