PA mortgage rates

Cambria County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Cambria County, Pennsylvania. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Cambria County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Cambria County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Cambria

A local view of the market.

Cambria County, Pennsylvania, has a diverse real estate market with a median listing home price of $125,000 as of October 2024, reflecting a 25.1% increase year-over-year. The median price per square foot is $82, and homes typically sell for around $117,000, indicating a competitive market where homes sell close to the asking price. The county includes several notable cities such as Johnstown, which has a median listing home price of $119,900 and is known for its affordable multi-family homes. Ebensburg is another key city, with a higher median listing price of $235,000, offering a more suburban feel. Other cities like Franklin and Flinton also contribute to the county's real estate diversity, each with unique characteristics and price points. Living in Cambria County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's top industries include healthcare, manufacturing, and education, attracting residents looking for employment opportunities. The real estate market sees migration patterns influenced by the county's affordable housing options and the appeal of a quieter, more rural lifestyle compared to urban areas.

County snapshot

Market context.

PA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaJohnstownMapped market area
Area code27780CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Cambria County

Common questions about 2026 loan limits and refinancing opportunities in Pennsylvania.

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