FHA Loan Limits in Pennsylvania (2026)
For 2026, the FHA loan limit in most Pennsylvania counties is $541,287 for a single-family home. Pennsylvania has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Pennsylvania
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Philadelphia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Allegheny County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montgomery County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bucks County | $541,287 | $692,997 | $1,041,072 | Standard |
| Delaware County | $541,287 | $692,997 | $1,041,072 | Standard |
| Chester County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lancaster County | $541,287 | $692,997 | $1,041,072 | Standard |
| York County | $541,287 | $692,997 | $1,041,072 | Standard |
| Berks County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lehigh County | $541,287 | $692,997 | $1,041,072 | Standard |
| Westmoreland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Luzerne County | $541,287 | $692,997 | $1,041,072 | Standard |
| Northampton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dauphin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cumberland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Erie County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lackawanna County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Butler County | $541,287 | $692,997 | $1,041,072 | Standard |
| Monroe County | $541,287 | $692,997 | $1,041,072 | Standard |
| Beaver County | $541,287 | $692,997 | $1,041,072 | Standard |
| Centre County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Schuylkill County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lebanon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cambria County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fayette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Blair County | $541,287 | $692,997 | $1,041,072 | Standard |
| Northumberland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lycoming County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Pennsylvania
FHA loans are popular with first-time buyers in Pennsylvania because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Pennsylvania for 2026?
- Most Pennsylvania counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Pennsylvania?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.