Somerset County, Pennsylvania has a 2026 one-unit conforming loan limit of $832,750, which is 5.5 times the county's median home value of $150,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,446 (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) | $150,600 |
| Pennsylvania median home value | $254,500 |
| Limit ÷ median home value | 5.53× |
| Median household income | $61,446 |
| Median home value ÷ income | 2.5× |
| Population | 72,799 |
| Median property tax paid (owners) | $1,477 |
| Effective property tax rate (approx.) | 0.98% |
| Owner-occupied homes | 80.4% |
| Home value rank in Pennsylvania | 56 of 67 counties |
| Neighbor: Allegany County, MD | limit $832,750; median home $154,900 |
| Neighbor: Garrett County, MD | limit $832,750; median home $235,300 |
| Neighbor: Bedford County, PA | limit $832,750; median home $179,000 |
| Neighbor: Cambria County, PA | limit $832,750; median home $121,000 |
| Neighbor: Fayette County, PA | limit $832,750; median home $143,200 |
| Neighbor: Westmoreland County, PA | limit $832,750; median home $203,500 |
Across Pennsylvania's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,209,750, with 1 high-cost county. Somerset County's median home value is 41% below the state median of $254,500 (rank 56 of 67). Among its 6 neighboring counties, Garrett County has the highest median home value ($235,300) and Cambria County the lowest ($121,000); all share the same loan limit. Owners pay a median $1,477 a year in property tax, an effective rate of about 0.98% 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.
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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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