Pennsylvania Loan Limits for 2019: All 67 Counties

This pages shows the FHA, VA and conforming loan limits for all Pennsylvania counties. Conforming and VA limits have been aligned for 2019, as they were in 2018. The FHA loan limits are separate. All of them are based on median home values, which means those counties with higher median home prices tend to have higher loan limits as well.

Conforming & VA Loan Limits in PA

In 2019, most Pennsylvania counties have a conforming and VA loan limit of $484,350 (for a single-family home purchase). Pike County is the one exception. As a result of higher home prices in that area, the 2019 conforming and VA loan limit for Pike County is $726,525.

Here are the conforming and VA loan limits for Pennsylvania counties:


Pike County, PA:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

All other Pennsylvania counties:

  • One-unit: $484,350
  • Two-unit: $620,200
  • Three-unit: $749,650
  • Four-unit: $931,600

Note: In the list above “one-unit” refers to a single-family home. The “two-unit” label applies to duplex-style properties with two different residents, and so on.

Conforming loan limits for Pennsylvania (and all other states) are reviewed annually. Sometimes they are adjusted upward from one year to the next, in order to keep up with rising home values.

From 2018 to 2019, the conforming and VA loan limits were increased in all but three Pennsylvania counties. (In Carbon, Lehigh and Northampton counties, the 2018 limits were simply carried over to 2019 unchanged.)


FHA Loan Limits for Pennsylvania

FHA loans are insured by the Federal Housing Administration, which is part of HUD. This insurance protects lenders from losses relating to borrower default. So it is HUD that sets the FHA loan limits for Pennsylvania and other states across the country. The table below shows the 2019 FHA loans limits for all counties within Pennsylvania.

County1-Family2-Family3-Family4-Family
ADAMS$314,827 $403,125 $487,250 $605,525 
ALLEGHENY$314,827 $403,125 $487,250 $605,525 
ARMSTRONG$314,827 $403,125 $487,250 $605,525 
BEAVER$314,827 $403,125 $487,250 $605,525 
BEDFORD$314,827 $403,125 $487,250 $605,525 
BERKS$314,827 $403,125 $487,250 $605,525 
BLAIR$314,827 $403,125 $487,250 $605,525 
BRADFORD$314,827 $403,125 $487,250 $605,525 
BUCKS$402,500 $515,250 $622,850 $774,050 
BUTLER$314,827 $403,125 $487,250 $605,525 
CAMBRIA$314,827 $403,125 $487,250 $605,525 
CAMERON$314,827 $403,125 $487,250 $605,525 
CARBON$372,600 $477,000 $576,550 $716,550 
CENTRE$314,827 $403,125 $487,250 $605,525 
CHESTER$402,500 $515,250 $622,850 $774,050 
CLARION$314,827 $403,125 $487,250 $605,525 
CLEARFIELD$314,827 $403,125 $487,250 $605,525 
CLINTON$314,827 $403,125 $487,250 $605,525 
COLUMBIA$314,827 $403,125 $487,250 $605,525 
CRAWFORD$314,827 $403,125 $487,250 $605,525 
CUMBERLAND$314,827 $403,125 $487,250 $605,525 
DAUPHIN$314,827 $403,125 $487,250 $605,525 
DELAWARE$402,500 $515,250 $622,850 $774,050 
ELK$314,827 $403,125 $487,250 $605,525 
ERIE$314,827 $403,125 $487,250 $605,525 
FAYETTE$314,827 $403,125 $487,250 $605,525 
FOREST$314,827 $403,125 $487,250 $605,525 
FRANKLIN$314,827 $403,125 $487,250 $605,525 
FULTON$314,827 $403,125 $487,250 $605,525 
GREENE$314,827 $403,125 $487,250 $605,525 
HUNTINGDON$314,827 $403,125 $487,250 $605,525 
INDIANA$314,827 $403,125 $487,250 $605,525 
JEFFERSON$314,827 $403,125 $487,250 $605,525 
JUNIATA$314,827 $403,125 $487,250 $605,525 
LACKAWANNA$314,827 $403,125 $487,250 $605,525 
LANCASTER$314,827 $403,125 $487,250 $605,525 
LAWRENCE$314,827 $403,125 $487,250 $605,525 
LEBANON$314,827 $403,125 $487,250 $605,525 
LEHIGH$372,600 $477,000 $576,550 $716,550 
LUZERNE$314,827 $403,125 $487,250 $605,525 
LYCOMING$314,827 $403,125 $487,250 $605,525 
MCKEAN$314,827 $403,125 $487,250 $605,525 
MERCER$314,827 $403,125 $487,250 $605,525 
MIFFLIN$314,827 $403,125 $487,250 $605,525 
MONROE$314,827 $403,125 $487,250 $605,525 
MONTGOMERY$402,500 $515,250 $622,850 $774,050 
MONTOUR$314,827 $403,125 $487,250 $605,525 
NORTHAMPTON$372,600 $477,000 $576,550 $716,550 
NORTHUMBERLAND$314,827 $403,125 $487,250 $605,525 
PERRY$314,827 $403,125 $487,250 $605,525 
PHILADELPHIA$402,500 $515,250 $622,850 $774,050 
PIKE$726,525 $930,300 $1,124,475 $1,397,400 
POTTER$314,827 $403,125 $487,250 $605,525 
SCHUYLKILL$314,827 $403,125 $487,250 $605,525 
SNYDER$314,827 $403,125 $487,250 $605,525 
SOMERSET$314,827 $403,125 $487,250 $605,525 
SULLIVAN$314,827 $403,125 $487,250 $605,525 
SUSQUEHANNA$314,827 $403,125 $487,250 $605,525 
TIOGA$314,827 $403,125 $487,250 $605,525 
UNION$314,827 $403,125 $487,250 $605,525 
VENANGO$314,827 $403,125 $487,250 $605,525 
WARREN$314,827 $403,125 $487,250 $605,525 
WASHINGTON$314,827 $403,125 $487,250 $605,525 
WAYNE$314,827 $403,125 $487,250 $605,525 
WESTMORELAND$314,827 $403,125 $487,250 $605,525 
WYOMING$314,827 $403,125 $487,250 $605,525 
YORK$314,827 $403,125 $487,250 $605,525 

Note: In the table above, the “1-family” column applies to single-family homes. The “2-family” column applies to duplexes, and so on. Home buyers who are planning to purchase a regular single-family home or condo unit should focus on the “1-family” column.

Some highlights from the table above:

  • Most Pennsylvania counties have a single-family FHA loan limit of $314,827 in 2019.
  • Pike County has the highest FHA loan limit in the state, with a single-family cap of $726,525. This is due to the higher home values in that part of the state.
  • All counties that fall within the Philadelphia metropolitan area have an FHA loan limit of $402,500 in 2019. This includes the counties of Bucks, Chester, Delaware and Montgomery.

Disclaimer: This page includes conforming, VA and FHA loan limits for all Pennsylvania counties in 2019. Those figures were obtained from official sources including the Department of Housing and Urban Development (HUD) and the Federal Housing Finance Agency (FHFA). We make every effort to ensure the accuracy of the content we publish. Still, there is always a chance of human or data-related errors. You can use the official sources mentioned above to find the most reliable information.