FHA Loan Limits in Philadelphia County, Pennsylvania (2026)
Buying in Philadelphia County or elsewhere in Philadelphia 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 Philadelphia County — Philadelphia County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Allegheny and Montgomery Counties.
FHA affordability around Philadelphia County
With Philadelphia County's median sale price estimated near $250,000 (think Philadelphia County), the FHA down payment is roughly $8,750. Factoring Pennsylvania property taxes near 1.49%, expect about $2,049 monthly, pointing to income near $79,000 — above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Philadelphia County
Whether you are buying in Philadelphia County or a smaller Philadelphia 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 — $180,000 | $6,300 | $1,508 |
| Local median — $250,000 | $8,750 | $2,049 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Philadelphia County too — get notified.
Buyers across Philadelphia County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,750 down payment near Philadelphia County into little out of pocket.
Multi-unit FHA limits in Philadelphia County
Investors and house-hackers in Philadelphia County and across Philadelphia 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 Philadelphia County for 2026?
- In Philadelphia County (Philadelphia 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 Philadelphia County with FHA?
- For a median-priced ($250,000) Philadelphia County home, plan on income around $79,000 at a 31% housing ratio — about $2,049/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Philadelphia County?
- 3.5% with a 580+ score — roughly $8,750 on a $250,000 Philadelphia County-area home. Gift funds are allowed.
- Is Philadelphia County a high-cost FHA area?
- No — Philadelphia County uses the $541,287 national floor for one unit.