FHA Loan Limits in Northumberland County, Pennsylvania (2026)
Buying in Northumberland County or elsewhere in Northumberland 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 |
Every community in Northumberland County — Northumberland County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Allegheny and Philadelphia Counties.
FHA affordability around Northumberland County
An FHA buyer near Northumberland County faces an estimated $302,000 median, a $10,570 down payment, and — after Pennsylvania's 1.49% property tax — a monthly cost around $2,451. That suits household income of roughly $95,000, above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Northumberland County
Whether you are buying in Northumberland County or a smaller Northumberland 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 — $217,000 | $7,595 | $1,794 |
| Local median — $302,000 | $10,570 | $2,451 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Northumberland County too — get notified.
Buyers across Northumberland County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,570 down payment near Northumberland County into little out of pocket.
Multi-unit FHA limits in Northumberland County
Investors and house-hackers in Northumberland County and across Northumberland 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 Northumberland County for 2026?
- In Northumberland County (Northumberland 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 Northumberland County with FHA?
- For a median-priced ($302,000) Northumberland County home, plan on income around $95,000 at a 31% housing ratio — about $2,451/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Northumberland County?
- 3.5% with a 580+ score — roughly $10,570 on a $302,000 Northumberland County-area home. Gift funds are allowed.
- Is Northumberland County a high-cost FHA area?
- No — Northumberland County uses the $541,287 national floor for one unit.