Chester County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 1.7 times the county's median home value of $485,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $127,208 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $485,600 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 1.71× |
| Median household income | $127,208 |
| Median home value ÷ income | 3.8× |
| Population | 547,840 |
| Median property tax paid (owners) | $6,308 |
| Effective property tax rate (approx.) | 1.30% |
| Owner-occupied homes | 75.1% |
| Home value rank in Pennsylvania | 1 of 67 counties |
| Neighbor: New Castle County, DE | limit $832,750; median home $352,200 |
| Neighbor: Cecil County, MD | limit $832,750; median home $343,400 |
| Neighbor: Berks County, PA | limit $832,750; median home $257,300 |
| Neighbor: Delaware County, PA | limit $832,750; median home $332,200 |
| Neighbor: Lancaster County, PA | limit $832,750; median home $301,100 |
| Neighbor: Montgomery County, PA | limit $832,750; median home $436,700 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Chester County's median home value is 91% above the state median of $254,500 (rank 1 of 67). Among its 6 neighboring counties, Montgomery County has the highest median home value ($436,700) and Berks County the lowest ($257,300); all share the same loan limit. Owners pay a median $6,308 a year in property tax, an effective rate of about 1.30% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Cherry County, NE
- 2026 conforming loan limit: Chesapeake City, VA
- 2026 conforming loan limit: Cheshire County, NH
- 2026 conforming loan limit: Chester County, SC
- 2026 conforming loan limit: Chester County, TN
- 2026 conforming loan limit: Chesterfield County, SC
- 2026 conforming loan limit: Chesterfield County, VA
- 2026 conforming loan limit: Cheyenne County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.