FHA Loan Limits and USDA Eligibility in Montgomery County, Pennsylvania

2026 FHA one-unit limit in Montgomery County is $630,200. Two-unit is $806,750, three-unit is $975,200, and four-unit is $1,211,950. USDA 502 Guaranteed 1–4 person moderate income is $141,100. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Pennsylvania

Pennsylvania one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Pennsylvania

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EligibleIneligibleUSDA ineligible boundary

Montgomery County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
18041$630,200$122,800 to $141,100
18054$630,200$141,100
18070$630,200$122,800 to $141,100
18073$630,200$141,100
18074$630,200$141,100
18076$630,200$141,100
18084$630,200$141,100
18914$630,200$141,100
18915$630,200$141,100
18918$630,200$141,100
18936$630,200$141,100
18957$630,200$141,100
18958$630,200$141,100
18964$630,200$141,100
18969$630,200$141,100
18971$630,200$141,100
18979$630,200$141,100
19001$630,200$141,100
19002$630,200$141,100
19003$630,200$141,100
19004$630,200$141,100
19006$630,200$141,100
19009$630,200$141,100
19010$630,200$141,100
19012$630,200$141,100
19025$630,200$141,100
19027$630,200$141,100
19031$630,200$141,100
19034$630,200$141,100
19035$630,200$141,100
19038$630,200$141,100
19040$630,200$141,100
19044$630,200$141,100
19046$630,200$141,100
19066$630,200$141,100
19072$630,200$141,100
19075$630,200$141,100
19083$630,200$141,100
19085$630,200$141,100
19087$630,200$141,100
19090$630,200$141,100
19095$630,200$141,100
19096$630,200$141,100
19401$630,200$141,100
19403$630,200$141,100
19404$630,200$141,100
19405$630,200$141,100
19406$630,200$141,100
19407$630,200$141,100
19408$630,200$141,100
19409$630,200$141,100
19422$630,200$141,100
19423$630,200$141,100
19426$630,200$141,100
19428$630,200$141,100
19430$630,200$141,100
19435$630,200$141,100
19436$630,200$141,100
19437$630,200$141,100
19438$630,200$141,100
19440$630,200$141,100
19443$630,200$141,100
19444$630,200$141,100
19446$630,200$141,100
19450$630,200$141,100
19451$630,200$141,100
19453$630,200$141,100
19454$630,200$141,100
19456$630,200$141,100
19460$630,200$141,100
19462$630,200$141,100
19464$630,200$122,800 to $141,100
19468$630,200$141,100
19472$630,200$141,100
19473$630,200$141,100
19474$630,200$141,100
19477$630,200$141,100
19478$630,200$141,100
19486$630,200$141,100
19490$630,200$141,100
19492$630,200$141,100
19504$630,200$122,800 to $141,100
19512$630,200$122,800 to $141,100
19525$630,200$122,800 to $141,100
19565$630,200$122,800

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A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Montgomery County address. Then they can match you if you qualify.

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