FHA Loan Limits in Erie County, Pennsylvania (2026)
Buying in Erie County or elsewhere in Erie County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Erie County to the edges of Erie County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Allegheny and Philadelphia Counties.
FHA affordability around Erie County
With Erie County's median sale price estimated near $304,000 (think Erie County), the FHA down payment is roughly $10,640. Factoring Pennsylvania property taxes near 1.49%, expect about $2,466 monthly, pointing to income near $95,000 — above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Erie County
FHA payments across Erie County price points — from entry homes near Erie County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $219,000 | $7,665 | $1,809 |
| Local median — $304,000 | $10,640 | $2,466 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Erie County too — get notified.
First-time buyers make up much of FHA activity in Erie County and across Erie County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,640 needed on a median Erie County home.
Multi-unit FHA limits in Erie County
Erie County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Erie County can live in one unit and rent the rest to offset the mortgage.
Never Miss an FHA Rate Change
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Erie County for 2026?
- In Erie County (Erie County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Erie County with FHA?
- For a median-priced ($304,000) Erie County home, plan on income around $95,000 at a 31% housing ratio — about $2,466/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Erie County?
- 3.5% with a 580+ score — roughly $10,640 on a $304,000 Erie County-area home. Gift funds are allowed.
- Is Erie County a high-cost FHA area?
- No — Erie County uses the $541,287 national floor for one unit.