2018 HUD Median Income For Pennsylvania Counties

Happy familyDid you know that many Pennsylvania banks offer special financing for home buyers whose income is at or below the median household income for the respective Pennsylvania County?

It's true, if your household income is at or below the median income limits below, you should call the banks in your area to see if you're eligible for special financing. These loans are commonly called CRA loans (Community Reinvestment Act). Many mortgage companies do not require that you’re a first time home buyer.

The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) both offer special financing for low to moderate home buyers.

Fannie Mae’s program is called the My Community Mortgage® and Freddie Mac offers the Home Possible mortgage®. These mortgage loans are designed to make it easier for families to become homeowners.

Both programs have lower down payments, easier debt to income ratios, reduced monthly mortgage insurance, and seller assist options to make it easier to qualify for a home loan.

Freddie Mac and Fannie Mae do not lend directly to prospective home buyers, but works with “approved banks and mortgage brokers”

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2018 HUD median income limits - 80% of HUD Median Household Income for Pennsylvania
County Name 1 Person 2 People 3 People 4 People 5 People 6 People 7 People
Adams County 41,950 47,950 53,950 59,900 64,700 69,500 74,300
Allegheny County 42,600 48,650 54,750 60,800 65,700 70,550 75,400
Armstrong County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Beaver County 42,600 48,650 54,750 60,800 65,700 70,550 75,400
Bedford County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Berks County 40,250 46,000 51,750 57,500 62,100 66,700 71,300
Blair County 36,500 41,700 46,900 52,100 56,300 60,450 64,650
Bradford County 35,500 40,550 45,600 50,650 54,750 58,800 62,850
Bucks County 48,950 55,950 62,950 69,900 75,500 81,100 86,700
Butler County 42,600 48,650 54,750 60,800 65,700 70,550 75,400
Cambria County 35,950 41,100 46,250 51,350 55,500 59,600 63,700
Cameron County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Carbon County 41,800 47,800 53,750 59,700 64,500 69,300 74,050
Centre County 46,150 52,750 59,350 65,900 71,200 76,450 81,750
Chester County 48,950 55,950 62,950 69,900 75,500 81,100 86,700
Clarion County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Clearfield County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Clinton County 34,100 39,000 43,850 48,700 52,600 56,500 60,400
Columbia County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Crawford County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Cumberland County 42,150 48,150 54,150 60,150 65,000 69,800 74,600
Dauphin County 42,150 48,150 54,150 60,150 65,000 69,800 74,600
Delaware County 48,950 55,950 62,950 69,900 75,500 81,100 86,700
Elk County 35,200 40,200 45,250 50,250 54,300 58,300 62,350
Erie County 35,700 40,800 45,900 50,950 55,050 59,150 63,200
Fayette County 42,600 48,650 54,750 60,800 65,700 70,550 75,400
Forest County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Franklin County 39,950 45,650 51,350 57,050 61,650 66,200 70,750
Fulton County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Greene County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Huntingdon County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Indiana County 35,850 41,000 46,100 51,200 55,300 59,400 63,500
Jefferson County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Juniata County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Lackawanna County 37,150 42,450 47,750 53,050 57,300 61,550 65,800
Lancaster County 41,350 47,250 53,150 59,050 63,800 68,500 73,250
Lawrence County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Lebanon County 39,300 44,900 50,500 56,100 60,600 65,100 69,600
Lehigh County 41,800 47,800 53,750 59,700 64,500 69,300 74,050
Luzerne County 37,150 42,450 47,750 53,050 57,300 61,550 65,800
Lycoming County 37,350 42,700 48,050 53,350 57,650 61,900 66,200
McKean County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Mercer County 36,250 41,400 46,600 51,750 55,900 60,050 64,200
Mifflin County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Monroe County 41,550 47,450 53,400 59,300 64,050 68,800 73,550
Montgomery County 48,950 55,950 62,950 69,900 75,500 81,100 86,700
Montour County 39,900 45,600 51,300 56,950 61,550 66,100 70,650
Northampton County 41,800 47,800 53,750 59,700 64,500 69,300 74,050
Northumberland County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Perry County 42,150 48,150 54,150 60,150 65,000 69,800 74,600
Philadelphia County 48,950 55,950 62,950 69,900 75,500 81,100 86,700
Pike County 41,250 47,150 53,050 58,900 63,650 68,350 73,050
Potter County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Schuylkill County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Snyder County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Somerset County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Sullivan County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Susquehanna County 35,150 40,150 45,150 50,150 54,200 58,200 62,200
Tioga County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Union County 36,050 41,200 46,350 51,500 55,650 59,750 63,900
Venango County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Warren County 33,900 38,750 43,600 48,400 52,300 56,150 60,050
Washington County 42,600 48,650 54,750 60,800 65,700 70,550 75,400
Wayne County 35,950 41,100 46,250 51,350 55,500 59,600 63,700
Westmoreland County 42,600 48,650 54,750 60,800 65,700 70,550 75,400
Wyoming County 37,150 42,450 47,750 53,050 57,300 61,550 65,800
York County 41,650 47,600 53,550 59,450 64,250 69,000 73,750