PA mortgage rates

Lycoming County

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

Lycoming 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 Lycoming 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 Lycoming

A local view of the market.

In October 2024, the real estate market in Lycoming County, Pennsylvania, saw a significant increase in home values, with the median listing price reaching $264,500, marking a 34% rise from the previous year. The average home value in the county was $220,462, reflecting a 2.1% increase over the past year. Lycoming County is home to several key cities, including Williamsport, Montoursville, Jersey Shore, and Muncy. Williamsport, the largest city, has a population of approximately 28,000, while Montoursville and Jersey Shore have populations of around 4,500 and 4,300, respectively. Muncy, a smaller borough, has about 2,500 residents. Living in Lycoming County offers a blend of rural and suburban experiences, with a strong presence of agriculture and suburban life. The county's economy is supported by industries such as healthcare, education, and manufacturing. Real estate migration patterns indicate that people are drawn to the county for its affordable housing, scenic landscapes, and a slower pace of life compared to urban 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 areaWilliamsportMapped market area
Area code48700CBSA / MSA reference
Featured communityWilliamsportFrom the county record
Data year2026Aligned with this limit record
Williamsport
Top cities & communities

Communities to explore.

Williamsport
Questions & Answers

Refinancing in Lycoming County

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

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