Highest FHA limit in Pennsylvania
$630,200
In 2026, FHA one-unit limits in Pennsylvania range from $541,287 to $630,200 (Bucks County). 62 of 67 counties use the national floor.
62 of 67counties at the $541,287 floor
All Pennsylvania counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Bucks County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Chester County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Delaware County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Montgomery County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Philadelphia County | $630,200 | $806,750 | $1,211,950 | $832,750 |
| Adams County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Allegheny County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Armstrong County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Beaver County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bedford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Berks County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Blair County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bradford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Butler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cambria County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cameron County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carbon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Centre County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clarion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clearfield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clinton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Columbia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crawford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cumberland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dauphin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Elk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Erie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Forest County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fulton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greene County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Huntingdon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Indiana County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Juniata County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lackawanna County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lancaster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lawrence County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lebanon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lehigh County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Luzerne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lycoming County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McKean County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mercer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mifflin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montour County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Northampton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Northumberland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Perry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pike County | $541,287 | $693,050 | $1,041,125 | $1,209,750 |
| Potter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Schuylkill County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Snyder County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Somerset County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sullivan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Susquehanna County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tioga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Venango County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Westmoreland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wyoming County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| York County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Pennsylvania for 2026?
In 2026, FHA one-unit limits in Pennsylvania range from $541,287 to $630,200 (Bucks County). 62 of 67 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.
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