Mortgage Rates in Pennsylvania | Refinance Rates

Are you planning on buying or refinancing a home in Pennsylvania, or perhaps taking out a home equity loan?

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2025 Conforming loan limits for Pennsylvania

County Name	One Family	Two Family	Three Family	Four Family

Adams County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Allegheny County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Armstrong County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Beaver County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Bedford County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Berks County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Blair County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Bradford County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Bucks County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Butler County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cambria County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cameron County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Carbon County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Centre County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Chester County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Clarion County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Clearfield County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Clinton County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Columbia County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Crawford County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cumberland County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Dauphin County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Delaware County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Elk County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Erie County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Fayette County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Forest County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Franklin County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Fulton County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Greene County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Huntingdon County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Indiana County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Jefferson County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Juniata County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lackawanna County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lancaster County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lawrence County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lebanon County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lehigh County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Luzerne County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lycoming County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mckean County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mercer County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mifflin County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Monroe County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Montgomery County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Montour County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Northampton County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Northumberland County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Perry County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Philadelphia County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Pike County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Potter County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Schuylkill County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Snyder County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Somerset County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Sullivan County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Susquehanna County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Tioga County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Union County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Venango County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Warren County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Washington County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Wayne County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Westmoreland County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Wyoming County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
York County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250

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2025 Conforming loan limits for Pennsylvania

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