Each year, HUD announces new FHA loan limits based on median home prices across the country. For 2024, the national floor for single-family FHA loans is $498,257, which applies to most Pennsylvania counties. However, counties within higher-cost metropolitan statistical areas (MSAs) may have elevated limits. The national ceiling for high-cost areas is $1,149,825, though no Pennsylvania county reaches that maximum.
The majority of Pennsylvania's 67 counties fall under the standard FHA loan limit of $498,257 for a single-family home. Counties in the Philadelphia-Camden-Wilmington MSA, including Chester, Delaware, Montgomery, Bucks, and Philadelphia counties, have higher limits that reflect the elevated home prices in the Greater Philadelphia region. Similarly, Pike County, which falls within the New York metro area, also qualifies for higher limits.
These limits apply to the total mortgage amount, including the financed upfront mortgage insurance premium (UFMIP). When calculating how much home you can afford, keep in mind that the 1.75% UFMIP is included within these limits.
FHA loans are available for multi-unit properties up to four units, provided you occupy one unit as your primary residence. The 2024 limits for multi-unit properties in standard Pennsylvania counties are:
High-cost counties have proportionally higher multi-unit limits. Check the specific limits for your county on HUD's official website or use our county-specific loan limit pages for the most current figures.
For most Pennsylvania buyers, the $498,257 limit provides ample financing capacity. The median home price statewide is well below this threshold, meaning FHA loans remain a practical option for the majority of home purchases. However, buyers in the Philadelphia suburbs or other high-demand areas where prices exceed $500,000 should verify that their target county has limits sufficient for their purchase price.
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