FHA Loan Limits in Lackawanna County, Pennsylvania (2026)
In Lackawanna County — anchored by Lackawanna 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 |
From Lackawanna County to the edges of Lackawanna County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Allegheny and Philadelphia Counties.
Affording a home in Lackawanna County & Lackawanna County
With Lackawanna County's median sale price estimated near $223,000 (think Lackawanna County), the FHA down payment is roughly $7,805. Factoring Pennsylvania property taxes near 1.49%, expect about $1,840 monthly, pointing to income near $71,000 — under Pennsylvania's $73,170 median household income.
FHA payment scenarios in Lackawanna County
Here is what an FHA payment looks like at three Lackawanna County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $161,000 | $5,635 | $1,361 |
| Local median — $223,000 | $7,805 | $1,840 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Lackawanna County too — get notified.
First-time buyers make up much of FHA activity in Lackawanna County and across Lackawanna County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,805 needed on a median Lackawanna County home.
Multi-unit FHA limits in Lackawanna County
Looking at a duplex or fourplex near Lackawanna County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lackawanna County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Lackawanna County for 2026?
- In Lackawanna County (Lackawanna 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 Lackawanna County with FHA?
- For a median-priced ($223,000) Lackawanna County home, plan on income around $71,000 at a 31% housing ratio — about $1,840/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lackawanna County?
- 3.5% with a 580+ score — roughly $7,805 on a $223,000 Lackawanna County-area home. Gift funds are allowed.
- Is Lackawanna County a high-cost FHA area?
- No — Lackawanna County uses the $541,287 national floor for one unit.