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2026 conforming loan limit: Philadelphia County, PA

Quick answer

Philadelphia County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 3.4 times the county's median home value of $243,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,953 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$243,100
Pennsylvania median home value$254,500
Limit ÷ median home value3.43×
Median household income$61,953
Median home value ÷ income3.9×
Population1,579,706
Median property tax paid (owners)$2,003
Effective property tax rate (approx.)0.82%
Owner-occupied homes51.8%
Home value rank in Pennsylvania18 of 67 counties
Neighbor: Burlington County, NJlimit $832,750; median home $354,000
Neighbor: Camden County, NJlimit $832,750; median home $287,100
Neighbor: Gloucester County, NJlimit $832,750; median home $310,400
Neighbor: Bucks County, PAlimit $832,750; median home $445,700
Neighbor: Delaware County, PAlimit $832,750; median home $332,200
Neighbor: Montgomery County, PAlimit $832,750; median home $436,700

Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Philadelphia County's median home value is 4% below the state median of $254,500 (rank 18 of 67). Among its 6 neighboring counties, Bucks County has the highest median home value ($445,700) and Camden County the lowest ($287,100); all share the same loan limit. Owners pay a median $2,003 a year in property tax, an effective rate of about 0.82% 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.

Frequently asked questions

What is the conforming loan limit in Philadelphia County, Pennsylvania?

Philadelphia County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 3.4 times the county's median home value of $243,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,953 (FHFA; Census ACS 2020–2024).

What is the median home value in Philadelphia County, Pennsylvania?

The median owner-occupied home value in Philadelphia County is $243,100 (ACS 2020–2024), versus $254,500 statewide.

Do I need a jumbo loan in Philadelphia County?

Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $243,100, so the cap is 3.43 times the typical home value.

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Last updated Oct 18, 2026, 10:02 PM ET. Data only, not financial or tax advice.

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