2019 HUD Median Income For Pennsylvania Counties

Did 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.

Family reviewing their financesBoth 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”


2019 HUD median income limits - 80% of HUD Median Household Income for Pennsylvania
County Name Area Median Income 1 person 2 people 3 people 4 people 5 people 6 people 7 people
Adams County 79,400 44,450 50,800 57,150 63,500 68,600 73,700 78,750
Allegheny County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Armstrong County 65,000 36,400 41,600 46,800 52,000 56,200 60,350 64,500
Beaver County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Bedford County 59,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Berks County 76,300 42,750 48,850 54,950 61,050 65,950 70,850 75,750
Blair County 63,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Bradford County 65,800 36,900 42,150 47,400 52,650 56,900 61,100 65,300
Bucks County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Butler County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Cambria County 63,800 35,750 40,850 45,950 51,050 55,150 59,250 63,350
Cameron County 52,700 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Carbon County 78,400 43,900 50,200 56,450 62,700 67,750 72,750 77,750
Centre County 93,000 50,750 58,000 65,250 72,500 78,300 84,100 89,900
Chester County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Clarion County 59,200 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Clearfield County 59,900 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Clinton County 61,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Columbia County 65,700 36,800 42,050 47,300 52,550 56,800 61,000 65,200
Crawford County 60,700 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Cumberland County 81,100 45,450 51,950 58,450 64,900 70,100 75,300 80,500
Dauphin County 81,100 45,450 51,950 58,450 64,900 70,100 75,300 80,500
Delaware County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Elk County 65,000 36,400 41,600 46,800 52,000 56,200 60,350 64,500
Erie County 66,800 37,450 42,800 48,150 53,450 57,750 62,050 66,300
Fayette County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Forest County 47,100 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Franklin County 76,400 42,800 48,900 55,000 61,100 66,000 70,900 75,800
Fulton County 63,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Greene County 63,700 35,700 40,800 45,900 50,950 55,050 59,150 63,200
Huntingdon County 59,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Indiana County 64,800 36,300 41,500 46,700 51,850 56,000 60,150 64,300
Jefferson County 57,200 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Juniata County 63,400 35,500 40,600 45,650 50,700 54,800 58,850 62,900
Lackawanna County 67,000 37,550 42,900 48,250 53,600 57,900 62,200 66,500
Lancaster County 76,200 42,700 48,800 54,900 60,950 65,850 70,750 75,600
Lawrence County 65,000 36,400 41,600 46,800 52,000 56,200 60,350 64,500
Lebanon County 71,600 40,150 45,850 51,600 57,300 61,900 66,500 71,100
Lehigh County 78,400 43,900 50,200 56,450 62,700 67,750 72,750 77,750
Luzerne County 67,000 37,550 42,900 48,250 53,600 57,900 62,200 66,500
Lycoming County 64,000 35,850 41,000 46,100 51,200 55,300 59,400 63,500
McKean County 58,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Mercer County 65,200 36,550 41,750 46,950 52,150 56,350 60,500 64,700
Mifflin County 53,500 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Monroe County 78,800 44,150 50,450 56,750 63,050 68,100 73,150 78,200
Montgomery County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Montour County 74,000 41,450 47,400 53,300 59,200 63,950 68,700 73,450
Northampton County 78,400 43,900 50,200 56,450 62,700 67,750 72,750 77,750
Northumberland County 60,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Perry County 81,100 45,450 51,950 58,450 64,900 70,100 75,300 80,500
Philadelphia County 90,100 50,500 57,700 64,900 72,100 77,900 83,650 89,450
Pike County 75,400 42,250 48,250 54,300 60,300 65,150 69,950 74,800
Potter County 57,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Schuylkill County 65,200 36,550 41,750 46,950 52,150 56,350 60,500 64,700
Snyder County 64,200 35,950 41,100 46,250 51,350 55,500 59,600 63,700
Somerset County 60,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Sullivan County 60,800 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Susquehanna County 63,900 35,800 40,900 46,000 51,100 55,200 59,300 63,400
Tioga County 61,900 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Union County 67,700 37,950 43,350 48,750 54,150 58,500 62,850 67,150
Venango County 59,100 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Warren County 61,000 35,400 40,450 45,500 50,550 54,600 58,650 62,700
Washington County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Wayne County 66,700 37,350 42,700 48,050 53,350 57,650 61,900 66,200
Westmoreland County 79,900 44,750 51,150 57,550 63,900 69,050 74,150 79,250
Wyoming County 67,000 37,550 42,900 48,250 53,600 57,900 62,200 66,500
York County 76,600 42,950 49,050 55,200 61,300 66,250 71,150 76,050