PA mortgage rates

Franklin County

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

Franklin 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 Franklin 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 Franklin

A local view of the market.

Franklin County, Pennsylvania, has a dynamic real estate market characterized by a median home price of approximately $275,004 as of October 2024. This represents a 4% increase from the previous year, indicating a strong seller's market where homes tend to sell quickly and often above the asking price. The county is home to several prominent cities, including Chambersburg, Waynesboro, Greencastle, and Fayetteville. Chambersburg, the largest city, has a population of about 20,832 and serves as a central hub for commerce and culture. Waynesboro follows with a population of approximately 10,568, offering a blend of suburban and small-town living. Living in Franklin County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its scenic landscapes and farming communities, providing a peaceful rural lifestyle with access to suburban amenities. Key industries include manufacturing, healthcare, and agriculture, attracting people seeking a quieter lifestyle with the convenience of nearby urban centers. The county's affordable housing and quality of life continue to draw new residents.

County snapshot

Market context.

PA

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

Market areaChambersburg-WaynesboroMapped market area
Area code16540CBSA / MSA reference
Featured communityChambersburgFrom the county record
Data year2026Aligned with this limit record
Chambersburg
Top cities & communities

Communities to explore.

Chambersburg
Questions & Answers

Refinancing in Franklin County

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

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