Lancaster County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $301,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $86,959 (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) | $301,100 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 2.77× |
| Median household income | $86,959 |
| Median home value ÷ income | 3.5× |
| Population | 557,931 |
| Median property tax paid (owners) | $3,975 |
| Effective property tax rate (approx.) | 1.32% |
| Owner-occupied homes | 69.8% |
| Home value rank in Pennsylvania | 7 of 67 counties |
| Neighbor: Cecil County, MD | limit $832,750; median home $343,400 |
| Neighbor: Harford County, MD | limit $832,750; median home $386,400 |
| Neighbor: Berks County, PA | limit $832,750; median home $257,300 |
| Neighbor: Chester County, PA | limit $832,750; median home $485,600 |
| Neighbor: Dauphin County, PA | limit $832,750; median home $236,400 |
| Neighbor: Lebanon County, PA | limit $832,750; median home $242,000 |
| 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. Lancaster County's median home value is 18% above the state median of $254,500 (rank 7 of 67). Among its 7 neighboring counties, Chester County has the highest median home value ($485,600) and Dauphin County the lowest ($236,400); all share the same loan limit. Owners pay a median $3,975 a year in property tax, an effective rate of about 1.32% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.