PA mortgage rates

Monroe County

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

Monroe 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 Monroe 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 Monroe

A local view of the market.

In Monroe County, Pennsylvania, the real estate market has seen a modest increase in home values over the past year. As of October 2024, the median home sold price in the county was $305,000, reflecting a 1.7% increase from the previous year. This indicates a stable market where homes are relatively affordable, with a median price per square foot of $171. Monroe County is home to several notable cities, including Stroudsburg, East Stroudsburg, and Mount Pocono. Stroudsburg, the county seat, has a population of approximately 5,600 people, while East Stroudsburg is slightly larger with around 10,000 residents. Mount Pocono, known for its scenic beauty, has a population of about 3,000. These cities serve as cultural and economic hubs within the county, offering a blend of small-town charm and modern amenities. Living in Monroe County offers a mix of rural and suburban experiences. The county is characterized by its picturesque landscapes, including farms and agricultural areas, alongside suburban developments. The top industries in the region include tourism, healthcare, and education, attracting residents who seek a balance between nature and convenience. Migration patterns show that people are moving to Monroe County for its affordable housing, quality of life, and proximity to major metropolitan areas like New York City and Philadelphia, making it an appealing choice for those looking to escape the hustle and bustle of city life.

County snapshot

Market context.

PA

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

Market areaEast StroudsburgMapped market area
Area code20700CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Monroe County

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

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