PA mortgage rates

Northumberland County

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

Northumberland 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 Northumberland 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 Northumberland

A local view of the market.

Northumberland County, Pennsylvania, has a diverse real estate market with a median listing home price of $169,900, reflecting an 18% increase year-over-year. The median price per square foot is $104, and homes typically sell for a median price of $149,900. The market is considered balanced, with homes selling approximately 2% below the asking price on average. The county includes several notable cities, with Sunbury, Milton, Northumberland, and Shamokin being among the most prominent. Sunbury has a median listing home price of $172,500, while Milton's is $239,900. Northumberland's median price is $225,000, and Shamokin is more affordable with a median price of $76,300. Living in Northumberland County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The area is known for its farms and agricultural activities, alongside suburban life in its towns. Key industries include manufacturing and healthcare, attracting people seeking a quieter lifestyle with access to natural landscapes and community-oriented living. The county's affordability and balanced market conditions make it appealing for those looking to relocate from more urbanized 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 areaSunburyMapped market area
Area code44980CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Northumberland County

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

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