Cumberland County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $277,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $87,494 (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) | $277,600 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 3.00× |
| Median household income | $87,494 |
| Median home value ÷ income | 3.2× |
| Population | 268,323 |
| Median property tax paid (owners) | $3,254 |
| Effective property tax rate (approx.) | 1.17% |
| Owner-occupied homes | 71.3% |
| Home value rank in Pennsylvania | 10 of 67 counties |
| Neighbor: Adams County, PA | limit $832,750; median home $268,500 |
| Neighbor: Dauphin County, PA | limit $832,750; median home $236,400 |
| Neighbor: Franklin County, PA | limit $832,750; median home $249,800 |
| Neighbor: Perry County, PA | limit $832,750; median home $236,400 |
| Neighbor: York County, PA | limit $832,750; median home $248,600 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Cumberland County's median home value is 9% above the state median of $254,500 (rank 10 of 67). Among its 5 neighboring counties, Adams County has the highest median home value ($268,500) and Dauphin County the lowest ($236,400); all share the same loan limit. Owners pay a median $3,254 a year in property tax, an effective rate of about 1.17% 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: Cumberland County, ME
- 2026 conforming loan limit: Cumberland County, NC
- 2026 conforming loan limit: Cumberland County, NJ
- 2026 conforming loan limit: Cumberland County, TN
- 2026 conforming loan limit: Cumberland County, VA
- 2026 conforming loan limit: Cuming County, NE
- 2026 conforming loan limit: Currituck County, NC
- 2026 conforming loan limit: Curry County, NM
Last updated 2026-10-16. Data only, not financial or tax advice.