FHA Loan Limits in York County, Pennsylvania (2026)
In York County — anchored by York County — the 2026 FHA loan limit for a single-family home 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 York County, from York County outward, and sit alongside the limits set for neighboring Allegheny and Philadelphia Counties.
Affording a home in York County & York County
Homes around York County carry an estimated local median near $234,000, so an FHA buyer in York County puts down about $8,190 (3.5%). With Pennsylvania's 1.49% effective property-tax rate, the all-in payment runs near $1,925 a month — comfortable on household income around $75,000, above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in York County
Here is what an FHA payment looks like at three York 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 York County too — get notified.
In York County and the surrounding York County market, FHA's appeal is the math: $8,190 down on a $234,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in York County
Looking at a duplex or fourplex near York County? FHA allows up to $692,997 on two units and $1,041,072 on four in York 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 York County for 2026?
- In York County (York 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 York County with FHA?
- For a median-priced ($234,000) York 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 York County?
- 3.5% with a 580+ score — roughly $8,190 on a $234,000 York County-area home. Gift funds are allowed.
- Is York County a high-cost FHA area?
- No — York County uses the $541,287 national floor for one unit.