FHA Loan Limits in Lycoming County, Pennsylvania (2026)
From Lycoming County, FHA buyers in Lycoming County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
Every community in Lycoming County — Lycoming County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Allegheny and Philadelphia Counties.
What can you buy with FHA in Lycoming County?
An FHA buyer near Lycoming County faces an estimated $234,000 median, a $8,190 down payment, and — after Pennsylvania's 1.49% property tax — a monthly cost around $1,925. That suits household income of roughly $75,000, above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Lycoming County
Here is what an FHA payment looks like at three Lycoming County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $168,000 | $5,880 | $1,415 |
| Local median — $234,000 | $8,190 | $1,925 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Lycoming County too — get notified.
Buyers across Lycoming County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,190 down payment near Lycoming County into little out of pocket.
Multi-unit FHA limits in Lycoming County
Looking at a duplex or fourplex near Lycoming County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lycoming 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 Lycoming County for 2026?
- In Lycoming County (Lycoming 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 Lycoming County with FHA?
- For a median-priced ($234,000) Lycoming County home, plan on income around $75,000 at a 31% housing ratio — about $1,925/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lycoming County?
- 3.5% with a 580+ score — roughly $8,190 on a $234,000 Lycoming County-area home. Gift funds are allowed.
- Is Lycoming County a high-cost FHA area?
- No — Lycoming County uses the $541,287 national floor for one unit.