FHA Loan Limits in Franklin County, Pennsylvania (2026)
In Franklin County — anchored by Franklin County — the 2026 FHA loan limit for a single-family home 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 |
These 2026 limits apply throughout Franklin County, from Franklin County outward, and sit alongside the limits set for neighboring Allegheny and Philadelphia Counties.
Affording a home in Franklin County & Franklin County
Homes around Franklin County carry an estimated local median near $249,000, so an FHA buyer in Franklin County puts down about $8,715 (3.5%). With Pennsylvania's 1.49% effective property-tax rate, the all-in payment runs near $2,041 a month — comfortable on household income around $79,000, above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Franklin County
Whether you are buying in Franklin County or a smaller Franklin County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $179,000 | $6,265 | $1,500 |
| Local median — $249,000 | $8,715 | $2,041 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Franklin County too — get notified.
In Franklin County and the surrounding Franklin County market, FHA's appeal is the math: $8,715 down on a $249,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Franklin County
Investors and house-hackers in Franklin County and across Franklin County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Franklin County for 2026?
- In Franklin County (Franklin 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 Franklin County with FHA?
- For a median-priced ($249,000) Franklin County home, plan on income around $79,000 at a 31% housing ratio — about $2,041/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Franklin County?
- 3.5% with a 580+ score — roughly $8,715 on a $249,000 Franklin County-area home. Gift funds are allowed.
- Is Franklin County a high-cost FHA area?
- No — Franklin County uses the $541,287 national floor for one unit.