FHA Loan Limits in Northampton County, Pennsylvania (2026)
Northampton County and the rest of Northampton County, Pennsylvania fall under a 2026 one-unit FHA limit of $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 |
Every community in Northampton County — Northampton County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Allegheny and Philadelphia Counties.
How much home can you afford in Northampton County?
Homes around Northampton County carry an estimated local median near $244,000, so an FHA buyer in Northampton County puts down about $8,540 (3.5%). With Pennsylvania's 1.49% effective property-tax rate, the all-in payment runs near $2,003 a month — comfortable on household income around $78,000, above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Northampton County
Whether you are buying in Northampton County or a smaller Northampton 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 — $176,000 | $6,160 | $1,477 |
| Local median — $244,000 | $8,540 | $2,003 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Northampton County too — get notified.
Buyers across Northampton County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,540 down payment near Northampton County into little out of pocket.
Multi-unit FHA limits in Northampton County
Investors and house-hackers in Northampton County and across Northampton 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.
Be First to Know When FHA Rates Move
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
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 Northampton County for 2026?
- In Northampton County (Northampton 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 Northampton County with FHA?
- For a median-priced ($244,000) Northampton County home, plan on income around $78,000 at a 31% housing ratio — about $2,003/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Northampton County?
- 3.5% with a 580+ score — roughly $8,540 on a $244,000 Northampton County-area home. Gift funds are allowed.
- Is Northampton County a high-cost FHA area?
- No — Northampton County uses the $541,287 national floor for one unit.