PA mortgage rates

Lackawanna County

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

Lackawanna 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 Lackawanna 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 Lackawanna

A local view of the market.

The real estate market in Lackawanna County, Pennsylvania, has seen significant growth recently. The average home value in the county is approximately $213,377, reflecting a 7.7% increase over the past year. Homes in the area typically go pending within about 13 days, indicating a competitive market. Lackawanna County is home to several notable cities, with Scranton being the largest, boasting a population of around 76,000 residents. Other significant cities include Carbondale, with a population of about 8,000, and Dunmore, which has approximately 14,000 residents. These cities contribute to the county's diverse urban and suburban landscape, offering various amenities and community activities. Living in Lackawanna County offers a mix of rural and suburban experiences. The county is characterized by its suburban neighborhoods and rural landscapes, with agriculture playing a role in the local economy. Top industries include healthcare, education, and manufacturing, attracting residents seeking employment opportunities. The county's affordable housing market and quality of life make it an appealing destination for those moving from larger metropolitan 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 areaScranton--Wilkes-BarreMapped market area
Area code42540CBSA / MSA reference
Featured communityScrantonFrom the county record
Data year2026Aligned with this limit record
Scranton
Top cities & communities

Communities to explore.

Scranton
Questions & Answers

Refinancing in Lackawanna County

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

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