PA mortgage rates

Northampton County

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

Northampton 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 Northampton 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 Northampton

A local view of the market.

The real estate market in Northampton County, Pennsylvania, is currently a seller's market, with a median home sold price of $336,597 as of October 2024, reflecting a 4.7% increase from the previous year. The median price per square foot is $186, indicating a competitive market where homes tend to sell quickly and often above the asking price. Northampton County includes several prominent cities, with Easton and Bethlehem being among the largest. Easton has a population of approximately 27,000, while Bethlehem, which extends into Lehigh County, has a population of around 75,000. These cities are known for their vibrant communities and historical significance, contributing to their appeal as residential areas. Living in Northampton County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the rural areas. The county's economy is supported by industries such as manufacturing, healthcare, and education. The suburban areas provide a more residential feel with access to amenities and services. People are drawn to Northampton County for its balance of rural charm and suburban convenience, along with its proximity to larger metropolitan areas like Philadelphia and New York City, making it an attractive destination for those seeking a quieter lifestyle with urban accessibility.

County snapshot

Market context.

PA

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

Market areaAllentown-Bethlehem-EastonMapped market area
Area code10900CBSA / MSA reference
Featured communitiesEaston · BethlehemFrom the county record
Data year2026Aligned with this limit record
EastonBethlehem
Top cities & communities

Communities to explore.

EastonBethlehem
Questions & Answers

Refinancing in Northampton County

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

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