PA mortgage rates

Delaware County

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

Delaware 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$630,200
2 units$806,750
3 units$975,200
4 units$1,211,950

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 Delaware 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 Delaware

A local view of the market.

The real estate market in Delaware County, Pennsylvania, is currently a seller's market, with the median home sold price reaching $349,970 in October 2024. This represents a 6.9% increase from the previous year, with homes selling at an average of $215 per square foot. The number of homes for sale has also increased by 4.5% from September 2024, indicating a growing inventory. Delaware County is home to several prominent cities, including Upper Darby, with a population of approximately 82,000, and Chester, which has around 33,000 residents. Other notable cities include Haverford and Radnor, which are known for their vibrant communities and proximity to Philadelphia. Living in Delaware County offers a mix of suburban and urban lifestyles, with a strong emphasis on suburban living. The county is characterized by its suburban neighborhoods, with a few rural areas that support agriculture. The top industries in the region include education, healthcare, and retail, which attract many residents seeking employment opportunities. The county's proximity to Philadelphia makes it an attractive location for those looking to move away from the city while still enjoying easy access to urban amenities.

County snapshot

Market context.

PA

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

Market areaPhiladelphia-Camden-WilmingtonMapped market area
Area code37980CBSA / MSA reference
Featured communityChesterFrom the county record
Data year2026Aligned with this limit record
Chester
Top cities & communities

Communities to explore.

Chester
Questions & Answers

Refinancing in Delaware County

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

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