Montgomery County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $436,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $113,915 (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) | $436,700 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 1.91× |
| Median household income | $113,915 |
| Median home value ÷ income | 3.8× |
| Population | 867,573 |
| Median property tax paid (owners) | $5,875 |
| Effective property tax rate (approx.) | 1.35% |
| Owner-occupied homes | 71.4% |
| Home value rank in Pennsylvania | 3 of 67 counties |
| Neighbor: Berks County, PA | limit $832,750; median home $257,300 |
| Neighbor: Bucks County, PA | limit $832,750; median home $445,700 |
| Neighbor: Chester County, PA | limit $832,750; median home $485,600 |
| Neighbor: Delaware County, PA | limit $832,750; median home $332,200 |
| Neighbor: Lehigh County, PA | limit $832,750; median home $300,400 |
| Neighbor: Philadelphia County, PA | limit $832,750; median home $243,100 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Montgomery County's median home value is 72% above the state median of $254,500 (rank 3 of 67). Among its 6 neighboring counties, Chester County has the highest median home value ($485,600) and Philadelphia County the lowest ($243,100); all share the same loan limit. Owners pay a median $5,875 a year in property tax, an effective rate of about 1.35% 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: Montgomery County, NC
- 2026 conforming loan limit: Montgomery County, NY
- 2026 conforming loan limit: Montgomery County, OH
- 2026 conforming loan limit: Montgomery County, TN
- 2026 conforming loan limit: Montgomery County, TX
- 2026 conforming loan limit: Montgomery County, VA
- 2026 conforming loan limit: Montmorency County, MI
- 2026 conforming loan limit: Montour County, PA
Last updated 2026-10-16. Data only, not financial or tax advice.