2024 FHA Loan Limits in Pennsylvania
FHA loans are insured by the Federal Housing Administration and feature lenient credit score and down payment requirements. That can be good news for first-time homebuyers, but these loans do come with borrowing limits. The FHA loan limit for a single-family home in most of Pennsylvania is $498,257, though it’s higher in more expensive parts of the state. It tops out at $1,149,825 in Pike County, which is the only county in the state that’s part of the New York City metropolitan area.
Pennsylvania FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS | $498,257 | $637,950 | $771,125 | $958,350 | $247,000 |
| ALLEGHENY | $498,257 | $637,950 | $771,125 | $958,350 | $279,000 |
| ARMSTRONG | $498,257 | $637,950 | $771,125 | $958,350 | $279,000 |
| BEAVER | $498,257 | $637,950 | $771,125 | $958,350 | $279,000 |
| BEDFORD | $498,257 | $637,950 | $771,125 | $958,350 | $122,000 |
| BERKS | $498,257 | $637,950 | $771,125 | $958,350 | $222,000 |
| BLAIR | $498,257 | $637,950 | $771,125 | $958,350 | $130,000 |
| BRADFORD | $498,257 | $637,950 | $771,125 | $958,350 | $145,000 |
| BUCKS | $557,750 | $714,000 | $863,100 | $1,072,600 | $485,000 |
| BUTLER | $498,257 | $637,950 | $771,125 | $958,350 | $279,000 |
| CAMBRIA | $498,257 | $637,950 | $771,125 | $958,350 | $79,000 |
| CAMERON | $498,257 | $637,950 | $771,125 | $958,350 | $68,000 |
| CARBON | $498,257 | $637,950 | $771,125 | $958,350 | $325,000 |
| CENTRE | $498,257 | $637,950 | $771,125 | $958,350 | $319,000 |
| CHESTER | $557,750 | $714,000 | $863,100 | $1,072,600 | $485,000 |
| CLARION | $498,257 | $637,950 | $771,125 | $958,350 | $98,000 |
| CLEARFIELD | $498,257 | $637,950 | $771,125 | $958,350 | $85,000 |
| CLINTON | $498,257 | $637,950 | $771,125 | $958,350 | $147,000 |
| COLUMBIA | $498,257 | $637,950 | $771,125 | $958,350 | $214,000 |
| CRAWFORD | $498,257 | $637,950 | $771,125 | $958,350 | $106,000 |
| CUMBERLAND | $498,257 | $637,950 | $771,125 | $958,350 | $290,000 |
| DAUPHIN | $498,257 | $637,950 | $771,125 | $958,350 | $290,000 |
| DELAWARE | $557,750 | $714,000 | $863,100 | $1,072,600 | $485,000 |
| ELK | $498,257 | $637,950 | $771,125 | $958,350 | $77,000 |
| ERIE | $498,257 | $637,950 | $771,125 | $958,350 | $150,000 |
| FAYETTE | $498,257 | $637,950 | $771,125 | $958,350 | $279,000 |
| FOREST | $498,257 | $637,950 | $771,125 | $958,350 | $55,000 |
| FRANKLIN | $498,257 | $637,950 | $771,125 | $958,350 | $230,000 |
| FULTON | $498,257 | $637,950 | $771,125 | $958,350 | $130,000 |
| GREENE | $498,257 | $637,950 | $771,125 | $958,350 | $84,000 |
| HUNTINGDON | $498,257 | $637,950 | $771,125 | $958,350 | $120,000 |
| INDIANA | $498,257 | $637,950 | $771,125 | $958,350 | $114,000 |
| JEFFERSON | $498,257 | $637,950 | $771,125 | $958,350 | $80,000 |
| JUNIATA | $498,257 | $637,950 | $771,125 | $958,350 | $150,000 |
| LACKAWANNA | $498,257 | $637,950 | $771,125 | $958,350 | $168,000 |
| LANCASTER | $498,257 | $637,950 | $771,125 | $958,350 | $305,000 |
| LAWRENCE | $498,257 | $637,950 | $771,125 | $958,350 | $115,000 |
| LEBANON | $498,257 | $637,950 | $771,125 | $958,350 | $215,000 |
| LEHIGH | $498,257 | $637,950 | $771,125 | $958,350 | $325,000 |
| LUZERNE | $498,257 | $637,950 | $771,125 | $958,350 | $168,000 |
| LYCOMING | $498,257 | $637,950 | $771,125 | $958,350 | $170,000 |
| MCKEAN | $498,257 | $637,950 | $771,125 | $958,350 | $74,000 |
| MERCER | $498,257 | $637,950 | $771,125 | $958,350 | $135,000 |
| MIFFLIN | $498,257 | $637,950 | $771,125 | $958,350 | $100,000 |
| MONROE | $498,257 | $637,950 | $771,125 | $958,350 | $260,000 |
| MONTGOMERY | $557,750 | $714,000 | $863,100 | $1,072,600 | $485,000 |
| MONTOUR | $498,257 | $637,950 | $771,125 | $958,350 | $214,000 |
| NORTHAMPTON | $498,257 | $637,950 | $771,125 | $958,350 | $325,000 |
| NORTHUMBERLAND | $498,257 | $637,950 | $771,125 | $958,350 | $70,000 |
| PERRY | $498,257 | $637,950 | $771,125 | $958,350 | $290,000 |
| PHILADELPHIA | $557,750 | $714,000 | $863,100 | $1,072,600 | $485,000 |
| PIKE | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 | $1,034,000 |
| POTTER | $498,257 | $637,950 | $771,125 | $958,350 | $110,000 |
| SCHUYLKILL | $498,257 | $637,950 | $771,125 | $958,350 | $85,000 |
| SNYDER | $498,257 | $637,950 | $771,125 | $958,350 | $186,000 |
| SOMERSET | $498,257 | $637,950 | $771,125 | $958,350 | $120,000 |
| SULLIVAN | $498,257 | $637,950 | $771,125 | $958,350 | $102,000 |
| SUSQUEHANNA | $498,257 | $637,950 | $771,125 | $958,350 | $131,000 |
| TIOGA | $498,257 | $637,950 | $771,125 | $958,350 | $137,000 |
| UNION | $498,257 | $637,950 | $771,125 | $958,350 | $235,000 |
| VENANGO | $498,257 | $637,950 | $771,125 | $958,350 | $80,000 |
| WARREN | $498,257 | $637,950 | $771,125 | $958,350 | $95,000 |
| WASHINGTON | $498,257 | $637,950 | $771,125 | $958,350 | $279,000 |
| WAYNE | $498,257 | $637,950 | $771,125 | $958,350 | $205,000 |
| WESTMORELAND | $498,257 | $637,950 | $771,125 | $958,350 | $279,000 |
| WYOMING | $498,257 | $637,950 | $771,125 | $958,350 | $168,000 |
| YORK | $498,257 | $637,950 | $771,125 | $958,350 | $247,000 |
How are FHA loan limits determined?
“The FHA sets a new loan limit each year. This is the maximum amount that the FHA will insure. Each county in the United States has its own limit that’s based in part on that year’s conforming loan limit for a conventional loan – the maximum dollar amount you can borrow for a conforming residential mortgage. These limits have risen more than 5% this year — and FHA loan limits have jumped too.
The lowest FHA loan limit in the U.S. (also known as the “floor”) is 65% of the conforming loan limit. The “ceiling,” or the highest FHA loan limit nationally, is 150% of the conforming loan limit. In 2024, the floor for a single-unit property is $498,257, while the ceiling is $1,149,825 in high-cost areas.
How to qualify for an FHA loan in Pennsylvania
The FHA loan program can be a great option if you’re a homebuyer with less-than-perfect credit or a smaller down payment. Below are the general qualification requirements for an FHA loan:
→ A credit score of at least 500. Borrowers can get approved with a credit score as low as 500, though a 10% down payment will be required.
→ A down payment as low as 3.5% You can put down 3.5% with a credit score of 580 or higher.
→ A mortgage amount that’s within the FHA loan limits. You can’t borrow more than the FHA loan limit in your area. If you want to buy a home that costs more than that, you’ll have to make a larger down payment.
→ A debt-to-income ratio (DTI) of 43%. Your DTI ratio represents the amount of your total monthly income that’s going toward debt payments. It’s typically capped at 43% for FHA loans, though it may be possible to get approved with a DTI as high as 50%.
→ An FHA home appraisal. You must complete an FHA appraisal to confirm the value of the property you want to buy.
→ Mortgage insurance. FHA loans require two types of mortgage insurance — an annual mortgage insurance premium (MIP) of 0.15% to 0.75% of the loan amount, and an upfront premium equal to 1.75% of the loan amount. The upfront premium is typically folded into the cost of your loan, but the MIP is usually added to your monthly payment.
→ Occupancy. The home you purchase with an FHA loan must be your primary residence for at least 12 months.
Buying a multifamily property with an FHA loan
Qualified borrowers can use an FHA loan to buy a multifamily property like a duplex, triplex or fourplex. It’s an alternative to an investment property loan and allows for a down payment as low as 3.5%. Here are the general eligibility requirements:
- You’ll need to meet the same FHA loan requirements outlined above.
- You must live in one of the units for at least 12 months, but you can rent out the other units.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $637,950 |
| Three | $771,125 |
| Four | $958,350 |
FHA lenders in Pennsylvania
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |  Read our review | 580 | Get offers |
 | Read our review | Not disclosed | Get offers |
 | Read our review | 580 | Get offers |
 | Read our review | 580 | Get offers |
 |  Read our review | 580 | Get offers |