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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.

 

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