Philadelphia County, Pennsylvania loan limits 2026
FIPS 42101 · 86 ZIP codes, e.g. 19019, 19092, 19093, 19099, 19101, 19102 · metro area (CBSA) 37980
In Philadelphia County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $630,200. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Philadelphia County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $630,200 | +3.3% |
| 2 units | $1,066,250 | $806,750 | +3.3% |
| 3 units | $1,288,800 | $975,200 | +3.3% |
| 4 units | $1,601,750 | $1,211,950 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Philadelphia County is in metro area CBSA 37980; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $122,700 · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $68,750 | $78,550 | $88,350 | $98,150 | $106,050 | $113,900 | $121,750 | $129,600 |
| Very low income (50%) | $42,950 | $49,100 | $55,250 | $61,350 | $66,300 | $71,200 | $76,100 | $81,000 |
| Extremely low income (30%) | $25,800 | $29,450 | $33,150 | $36,800 | $39,750 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,438/mo | $1,397 | +2.9% |
| 1 bedroom | $1,558/mo | $1,520 | +2.5% |
| 2 bedrooms | $1,860/mo | $1,810 | +2.8% |
| 3 bedrooms | $2,216/mo | $2,170 | +2.1% |
| 4 bedrooms | $2,445/mo | $2,423 | +0.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA.
Same metro area
Counties in CBSA 37980 share the same loan limits.
Other counties in Pennsylvania
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Philadelphia County, PA for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Philadelphia County?
$630,200 for a single-family home in 2026 (HUD), up to $1,211,950 for a four-unit property.
What counts as a jumbo loan in Philadelphia County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Philadelphia County in 2026.
What are the HUD income limits in Philadelphia County?
For a family of four (FY2026): low income $98,150, very low income $61,350, extremely low income $36,800; area median family income $122,700.
What is the fair market rent in Philadelphia County?
$1,860 a month for a two-bedroom unit in FY2027 (HUD), $1,558 for one bedroom.