PA mortgage rates

Lawrence County

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

Lawrence 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 Lawrence 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 Lawrence

A local view of the market.

Lawrence County, Pennsylvania, has a real estate market characterized by a median home sold price of $150,025 as of October 2024, reflecting a 3.6% increase from the previous year. The market is considered neutral, with homes typically staying on the market for a standard duration and selling at reasonable prices. The top cities in Lawrence County include New Castle, with a population of 21,902, making it the largest city and the county seat. Other notable areas are Neshannock Township with 9,837 residents, Ellwood City with a population of 7,624, and Shenango Township, home to 7,125 people. Living in Lawrence County offers a mix of rural and suburban experiences, with a significant portion of the area being rural. The county supports a diverse economy with industries such as manufacturing and agriculture. Many people are drawn to Lawrence County for its affordable living costs compared to urban areas, and its proximity to larger cities like Pittsburgh offers a balance of quiet rural life with 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 areaNew CastleMapped market area
Area code35260CBSA / MSA reference
Featured communityNew CastleFrom the county record
Data year2026Aligned with this limit record
New Castle
Top cities & communities

Communities to explore.

New Castle
Questions & Answers

Refinancing in Lawrence County

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

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