Franklin County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 3.3 times the county's median home value of $249,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $77,003 (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) | $249,800 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 3.33× |
| Median household income | $77,003 |
| Median home value ÷ income | 3.2× |
| Population | 157,379 |
| Median property tax paid (owners) | $2,740 |
| Effective property tax rate (approx.) | 1.10% |
| Owner-occupied homes | 73.5% |
| Home value rank in Pennsylvania | 15 of 67 counties |
| Neighbor: Frederick County, MD | limit $1,249,125; median home $464,600 |
| Neighbor: Washington County, MD | limit $832,750; median home $296,100 |
| Neighbor: Adams County, PA | limit $832,750; median home $268,500 |
| Neighbor: Cumberland County, PA | limit $832,750; median home $277,600 |
| Neighbor: Fulton County, PA | limit $832,750; median home $208,500 |
| Neighbor: Huntingdon County, PA | limit $832,750; median home $183,200 |
| Neighbor: Juniata County, PA | limit $832,750; median home $217,000 |
| Neighbor: Perry County, PA | limit $832,750; median home $236,400 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Franklin County's median home value is 2% below the state median of $254,500 (rank 15 of 67). Among its 8 neighboring counties, Frederick County has the highest median home value ($464,600) and Huntingdon County the lowest ($183,200); 1 neighbor(s) have a different loan limit. Owners pay a median $2,740 a year in property tax, an effective rate of about 1.10% 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: Franklin County, NE
- 2026 conforming loan limit: Franklin County, NY
- 2026 conforming loan limit: Franklin County, OH
- 2026 conforming loan limit: Franklin County, TN
- 2026 conforming loan limit: Franklin County, TX
- 2026 conforming loan limit: Franklin County, VA
- 2026 conforming loan limit: Franklin County, VT
- 2026 conforming loan limit: Franklin County, WA
Last updated 2026-10-16. Data only, not financial or tax advice.