PA mortgage rates

Philadelphia County

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

Philadelphia 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$630,200
2 units$806,750
3 units$975,200
4 units$1,211,950

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 Philadelphia 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Philadelphia

A local view of the market.

Philadelphia County, Pennsylvania, has seen a steady rise in its real estate market, with the median home sold price reaching $261,652 in October 2024, marking a 0.6% increase from the previous year. The median price per square foot is $199, reflecting the county's stable housing market conditions. Philadelphia, the largest city in the county, has a population of approximately 1.6 million people, making it a significant urban center. Other notable areas include Mid City West and Overbrook Hills, with varying population sizes and housing characteristics, contributing to the county's diverse urban landscape. Living in Philadelphia County offers a predominantly urban experience, with suburban pockets providing a mix of lifestyles. The county is known for its rich history and cultural amenities, attracting new residents for its vibrant city life and employment opportunities in sectors like education, healthcare, and technology. Migration patterns indicate people are moving to the county for its job market and educational institutions, making it a dynamic place to live.

County snapshot

Market context.

PA

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

Market areaPhiladelphia-Camden-WilmingtonMapped market area
Area code37980CBSA / MSA reference
Featured communityPhiladelphiaFrom the county record
Data year2026Aligned with this limit record
Philadelphia
Top cities & communities

Communities to explore.

Philadelphia
Questions & Answers

Refinancing in Philadelphia County

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

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