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 HUD Median Income For Pennsylvania Counties

Family reviewing their financesDid 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”

2021 HUD MEDIAN INCOME (80%)

Use area income for the HomeReady™ loan program.

County NameMedian Area Income1 person2 person3 person 4 person5 person6 person7 person
Adams County80,50045,65052,20058,70065,20070,45075,65080,850
Allegheny County84,80047,50054,30061,10067,85073,30078,75084,150
Armstrong County70,10038,15043,60049,05054,45058,85063,20067,550
Beaver County84,80047,50054,30061,10067,85073,30078,75084,150
Bedford County62,30036,50041,70046,90052,10056,30060,45064,650
Berks County82,20046,05052,60059,20065,75071,05076,30081,550
Blair County70,10038,15043,60049,05054,45058,85063,20067,550
Bradford County67,00037,55042,90048,25053,60057,90062,20066,500
Bucks County94,50052,95060,50068,05075,60081,65087,70093,750
Butler County84,80047,50054,30061,10067,85073,30078,75084,150
Cambria County65,50036,70041,95047,20052,40056,60060,80065,000
Cameron County58,50036,50041,70046,90052,10056,30060,45064,650
Carbon County81,90045,85052,40058,95065,50070,75076,00081,250
Centre County87,90049,25056,25063,30070,30075,95081,55087,200
Chester County94,50052,95060,50068,05075,60081,65087,70093,750
Clarion County61,70036,50041,70046,90052,10056,30060,45064,650
Clearfield County60,60036,50041,70046,90052,10056,30060,45064,650
Clinton County64,50036,50041,70046,90052,10056,30060,45064,650
Columbia County75,60038,65044,20049,70055,20059,65064,05068,450
Crawford County66,00037,00042,25047,55052,80057,05061,25065,500
Cumberland County84,90047,55054,35061,15067,90073,35078,80084,200
Dauphin County84,90047,55054,35061,15067,90073,35078,80084,200
Delaware County94,50052,95060,50068,05075,60081,65087,70093,750
Elk County69,80039,10044,70050,30055,85060,35064,80069,300
Erie County65,00038,10043,55049,00054,40058,80063,15067,500
Fayette County84,80047,50054,30061,10067,85073,30078,75084,150
Forest County47,00036,50041,70046,90052,10056,30060,45064,650
Franklin County73,20041,70047,65053,60059,55064,35069,10073,850
Fulton County64,60036,50041,70046,90052,10056,30060,45064,650
Greene County70,30039,35044,95050,55056,15060,65065,15069,650
Huntingdon County62,00036,50041,70046,90052,10056,30060,45064,650
Indiana County65,70036,80042,05047,30052,55056,80061,00065,200
Jefferson County61,60036,50041,70046,90052,10056,30060,45064,650
Juniata County68,20038,20043,65049,10054,55058,95063,30067,650
Lackawanna County70,60039,55045,20050,85056,50061,05065,55070,100
Lancaster County83,00046,50053,15059,80066,40071,75077,05082,350
Lawrence County62,40036,90042,15047,40052,65056,90061,10065,300
Lebanon County76,20042,70048,80054,90060,95065,85070,75075,600
Lehigh County81,90045,85052,40058,95065,50070,75076,00081,250
Luzerne County70,60039,55045,20050,85056,50061,05065,55070,100
Lycoming County72,30038,15043,60049,05054,45058,85063,20067,550
McKean County62,00036,50041,70046,90052,10056,30060,45064,650
Mercer County66,60037,35042,65048,00053,30057,60061,85066,100
Mifflin County57,30036,50041,70046,90052,10056,30060,45064,650
Monroe County81,50045,65052,20058,70065,20070,45075,65080,850
Montgomery County94,50052,95060,50068,05075,60081,65087,70093,750
Montour County78,10043,75050,00056,25062,50067,50072,50077,500
Northampton County81,90045,85052,40058,95065,50070,75076,00081,250
Northumberland County65,70036,80042,05047,30052,55056,80061,00065,200
Perry County84,90047,55054,35061,15067,90073,35078,80084,200
Philadelphia County94,50052,95060,50068,05075,60081,65087,70093,750
Pike County78,70044,20050,50056,80063,10068,15073,20078,250
Potter County59,70036,50041,70046,90052,10056,30060,45064,650
Schuylkill County68,40038,30043,80049,25054,70059,10063,50067,850
Snyder County70,30039,35044,95050,55056,15060,65065,15069,650
Somerset County63,90036,50041,70046,90052,10056,30060,45064,650
Sullivan County64,00036,50041,70046,90052,10056,30060,45064,650
Susquehanna County66,70037,35042,70048,05053,35057,65061,90066,200
Tioga County63,00036,50041,70046,90052,10056,30060,45064,650
Union County73,20041,00046,85052,70058,55063,25067,95072,650
Venango County63,10036,50041,70046,90052,10056,30060,45064,650
Warren County62,30036,50041,70046,90052,10056,30060,45064,650
Washington County84,80047,50054,30061,10067,85073,30078,75084,150
Wayne County71,50040,05045,80051,50057,20061,80066,40070,950
Westmoreland County84,80047,50054,30061,10067,85073,30078,75084,150
Wyoming County70,60039,55045,20050,85056,50061,05065,55070,100
York County81,80045,85052,40058,95065,45070,70075,95081,200
SOURCE: Department of Housing and Urban Development