PA mortgage rates

Dauphin County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Dauphin 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

Dauphin 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 Dauphin 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 Dauphin

A local view of the market.

The real estate market in Dauphin County, Pennsylvania, has shown a positive trend with the average home value reaching $257,128, marking an increase of 4.2% over the past year. Homes in the area typically go to pending status within about seven days, indicating a relatively brisk market. Among the top cities in Dauphin County, Harrisburg stands out with a population of approximately 49,984, serving as the county seat. Lower Paxton Township is the most populous area with around 54,943 residents, followed by Middletown Township with 45,577 people and Swatara Township with 27,663. Dauphin County offers a mix of rural and suburban living, with agriculture playing a significant role in its rural areas. The county is home to a variety of industries, including healthcare, government, and manufacturing, which attract people seeking employment opportunities. The suburban areas provide a comfortable lifestyle with access to amenities, making it an appealing choice for those moving from urban centers seeking more space and a quieter environment.

County snapshot

Market context.

PA

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

Market areaHarrisburg-CarlisleMapped market area
Area code25420CBSA / MSA reference
Featured communityHarrisburgFrom the county record
Data year2026Aligned with this limit record
Harrisburg
Top cities & communities

Communities to explore.

Harrisburg
Questions & Answers

Refinancing in Dauphin County

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

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