Mercer County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 5.1 times the county's median home value of $164,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,976 (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) | $164,000 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 5.08× |
| Median household income | $59,976 |
| Median home value ÷ income | 2.7× |
| Population | 109,257 |
| Median property tax paid (owners) | $1,936 |
| Effective property tax rate (approx.) | 1.18% |
| Owner-occupied homes | 72.4% |
| Home value rank in Pennsylvania | 45 of 67 counties |
| Neighbor: Mahoning County, OH | limit $832,750; median home $154,700 |
| Neighbor: Trumbull County, OH | limit $832,750; median home $141,800 |
| Neighbor: Butler County, PA | limit $832,750; median home $294,200 |
| Neighbor: Crawford County, PA | limit $832,750; median home $153,200 |
| Neighbor: Lawrence County, PA | limit $832,750; median home $147,200 |
| Neighbor: Venango County, PA | limit $832,750; median home $119,800 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Mercer County's median home value is 36% below the state median of $254,500 (rank 45 of 67). Among its 6 neighboring counties, Butler County has the highest median home value ($294,200) and Venango County the lowest ($119,800); all share the same loan limit. Owners pay a median $1,936 a year in property tax, an effective rate of about 1.18% 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: Mercer County, ND
- 2026 conforming loan limit: Mercer County, NJ
- 2026 conforming loan limit: Mercer County, OH
- 2026 conforming loan limit: Mercer County, WV
- 2026 conforming loan limit: Meriwether County, GA
- 2026 conforming loan limit: Merrick County, NE
- 2026 conforming loan limit: Merrimack County, NH
- 2026 conforming loan limit: Mesa County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.