PA mortgage rates

Luzerne County

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

Luzerne 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 Luzerne 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 Luzerne

A local view of the market.

The real estate market in Luzerne County, Pennsylvania, has seen a slight increase in home values over the past year. As of October 2024, the median listing price for homes in the county is $240,000, which represents a 1.7% increase from the previous year. The average price per square foot is $135, indicating a stable market with modest growth. Luzerne County is home to several prominent cities, including Wilkes-Barre, Hazleton, and Kingston. Wilkes-Barre, the county seat, has a population of approximately 40,000 residents. Hazleton, another major city, has a population of around 25,000, while Kingston is home to about 13,000 people. These cities serve as economic and cultural hubs within the county, offering a mix of residential and commercial opportunities. Living in Luzerne County offers a blend of rural and suburban lifestyles, with areas dedicated to agriculture and farming alongside more developed suburban neighborhoods. The county's economy is supported by industries such as healthcare, education, and manufacturing. Recent migration patterns suggest that people are moving to Luzerne County for its affordable housing options and the balance of rural tranquility with suburban convenience. This makes it an attractive destination for families and individuals seeking a quieter lifestyle without sacrificing 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 areaScranton--Wilkes-BarreMapped market area
Area code42540CBSA / MSA reference
Featured communitiesHazleton · Wilkes-BarreFrom the county record
Data year2026Aligned with this limit record
HazletonWilkes-Barre
Top cities & communities

Communities to explore.

HazletonWilkes-Barre
Questions & Answers

Refinancing in Luzerne County

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

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