FHA Loan Limits in Luzerne County, Pennsylvania (2026)
Buying in Luzerne County or elsewhere in Luzerne 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 |
These 2026 limits apply throughout Luzerne County, from Luzerne County outward, and sit alongside the limits set for neighboring Allegheny and Philadelphia Counties.
FHA affordability around Luzerne County
With Luzerne County's median sale price estimated near $279,000 (think Luzerne County), the FHA down payment is roughly $9,765. Factoring Pennsylvania property taxes near 1.49%, expect about $2,273 monthly, pointing to income near $88,000 — above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Luzerne County
Here is what an FHA payment looks like at three Luzerne County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $201,000 | $7,035 | $1,670 |
| Local median — $279,000 | $9,765 | $2,273 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Luzerne County too — get notified.
In Luzerne County and the surrounding Luzerne County market, FHA's appeal is the math: $9,765 down on a $279,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Luzerne County
Looking at a duplex or fourplex near Luzerne County? FHA allows up to $692,997 on two units and $1,041,072 on four in Luzerne 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 Luzerne County for 2026?
- In Luzerne County (Luzerne 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 Luzerne County with FHA?
- For a median-priced ($279,000) Luzerne County home, plan on income around $88,000 at a 31% housing ratio — about $2,273/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Luzerne County?
- 3.5% with a 580+ score — roughly $9,765 on a $279,000 Luzerne County-area home. Gift funds are allowed.
- Is Luzerne County a high-cost FHA area?
- No — Luzerne County uses the $541,287 national floor for one unit.