Luzerne County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 4.8 times the county's median home value of $174,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,691 (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) | $174,100 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 4.78× |
| Median household income | $63,691 |
| Median home value ÷ income | 2.7× |
| Population | 327,675 |
| Median property tax paid (owners) | $2,530 |
| Effective property tax rate (approx.) | 1.45% |
| Owner-occupied homes | 67.8% |
| Home value rank in Pennsylvania | 44 of 67 counties |
| Neighbor: Carbon County, PA | limit $832,750; median home $211,400 |
| Neighbor: Columbia County, PA | limit $832,750; median home $206,200 |
| Neighbor: Lackawanna County, PA | limit $832,750; median home $201,800 |
| Neighbor: Monroe County, PA | limit $832,750; median home $267,600 |
| Neighbor: Schuylkill County, PA | limit $832,750; median home $153,000 |
| Neighbor: Sullivan County, PA | limit $832,750; median home $197,100 |
| Neighbor: Wyoming County, PA | limit $832,750; median home $215,400 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Luzerne County's median home value is 32% below the state median of $254,500 (rank 44 of 67). Among its 7 neighboring counties, Monroe County has the highest median home value ($267,600) and Schuylkill County the lowest ($153,000); all share the same loan limit. Owners pay a median $2,530 a year in property tax, an effective rate of about 1.45% 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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- 2026 conforming loan limit: Lynn County, TX
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Last updated 2026-10-16. Data only, not financial or tax advice.