Jump to section: HUD median income by PA county | Special financing options
Many Pennsylvania banks offer special financing options for home buyers whose income is at or below the median household income for the respective Pennsylvania County.
If your household income is at or below the median income limits in the table below, you should call the banks in your area to see if you're eligible for on of these special financing programs.
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Special financing programs for low income PA home buyers
Low income buyers may be able to qualify for a CRA loan (Community Reinvestment Act). This could get you a lower down payment, closing cost assistance, and a better interest rate. Many mortgage companies don't require that you're a first-time buyer..
The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) also offer special loans for first-time home buyers with low-to-moderate incomes.
Fannie Mae’s program is called the HomeReady mortgage and Freddie Mac offers the Home Possible mortgage. These mortgage loans are designed to make it easier for families to become homeowners.
Both Fannie and Freddie's 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 work with “approved banks and mortgage brokers”
» MORE: Federal grants for first-time home buyers
2021-22 HUD MEDIAN INCOME (80%)
Use area income for the HomeReady™ loan program.
| County Name | Median Area Income | 1 person | 2 person | 3 person | 4 person | 5 person | 6 person | 7 person |
|---|---|---|---|---|---|---|---|---|
| Adams County | 80,500 | 45,650 | 52,200 | 58,700 | 65,200 | 70,450 | 75,650 | 80,850 |
| Allegheny County | 84,800 | 47,500 | 54,300 | 61,100 | 67,850 | 73,300 | 78,750 | 84,150 |
| Armstrong County | 70,100 | 38,150 | 43,600 | 49,050 | 54,450 | 58,850 | 63,200 | 67,550 |
| Beaver County | 84,800 | 47,500 | 54,300 | 61,100 | 67,850 | 73,300 | 78,750 | 84,150 |
| Bedford County | 62,300 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Berks County | 82,200 | 46,050 | 52,600 | 59,200 | 65,750 | 71,050 | 76,300 | 81,550 |
| Blair County | 70,100 | 38,150 | 43,600 | 49,050 | 54,450 | 58,850 | 63,200 | 67,550 |
| Bradford County | 67,000 | 37,550 | 42,900 | 48,250 | 53,600 | 57,900 | 62,200 | 66,500 |
| Bucks County | 94,500 | 52,950 | 60,500 | 68,050 | 75,600 | 81,650 | 87,700 | 93,750 |
| Butler County | 84,800 | 47,500 | 54,300 | 61,100 | 67,850 | 73,300 | 78,750 | 84,150 |
| Cambria County | 65,500 | 36,700 | 41,950 | 47,200 | 52,400 | 56,600 | 60,800 | 65,000 |
| Cameron County | 58,500 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Carbon County | 81,900 | 45,850 | 52,400 | 58,950 | 65,500 | 70,750 | 76,000 | 81,250 |
| Centre County | 87,900 | 49,250 | 56,250 | 63,300 | 70,300 | 75,950 | 81,550 | 87,200 |
| Chester County | 94,500 | 52,950 | 60,500 | 68,050 | 75,600 | 81,650 | 87,700 | 93,750 |
| Clarion County | 61,700 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Clearfield County | 60,600 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Clinton County | 64,500 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Columbia County | 75,600 | 38,650 | 44,200 | 49,700 | 55,200 | 59,650 | 64,050 | 68,450 |
| Crawford County | 66,000 | 37,000 | 42,250 | 47,550 | 52,800 | 57,050 | 61,250 | 65,500 |
| Cumberland County | 84,900 | 47,550 | 54,350 | 61,150 | 67,900 | 73,350 | 78,800 | 84,200 |
| Dauphin County | 84,900 | 47,550 | 54,350 | 61,150 | 67,900 | 73,350 | 78,800 | 84,200 |
| Delaware County | 94,500 | 52,950 | 60,500 | 68,050 | 75,600 | 81,650 | 87,700 | 93,750 |
| Elk County | 69,800 | 39,100 | 44,700 | 50,300 | 55,850 | 60,350 | 64,800 | 69,300 |
| Erie County | 65,000 | 38,100 | 43,550 | 49,000 | 54,400 | 58,800 | 63,150 | 67,500 |
| Fayette County | 84,800 | 47,500 | 54,300 | 61,100 | 67,850 | 73,300 | 78,750 | 84,150 |
| Forest County | 47,000 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Franklin County | 73,200 | 41,700 | 47,650 | 53,600 | 59,550 | 64,350 | 69,100 | 73,850 |
| Fulton County | 64,600 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Greene County | 70,300 | 39,350 | 44,950 | 50,550 | 56,150 | 60,650 | 65,150 | 69,650 |
| Huntingdon County | 62,000 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Indiana County | 65,700 | 36,800 | 42,050 | 47,300 | 52,550 | 56,800 | 61,000 | 65,200 |
| Jefferson County | 61,600 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Juniata County | 68,200 | 38,200 | 43,650 | 49,100 | 54,550 | 58,950 | 63,300 | 67,650 |
| Lackawanna County | 70,600 | 39,550 | 45,200 | 50,850 | 56,500 | 61,050 | 65,550 | 70,100 |
| Lancaster County | 83,000 | 46,500 | 53,150 | 59,800 | 66,400 | 71,750 | 77,050 | 82,350 |
| Lawrence County | 62,400 | 36,900 | 42,150 | 47,400 | 52,650 | 56,900 | 61,100 | 65,300 |
| Lebanon County | 76,200 | 42,700 | 48,800 | 54,900 | 60,950 | 65,850 | 70,750 | 75,600 |
| Lehigh County | 81,900 | 45,850 | 52,400 | 58,950 | 65,500 | 70,750 | 76,000 | 81,250 |
| Luzerne County | 70,600 | 39,550 | 45,200 | 50,850 | 56,500 | 61,050 | 65,550 | 70,100 |
| Lycoming County | 72,300 | 38,150 | 43,600 | 49,050 | 54,450 | 58,850 | 63,200 | 67,550 |
| McKean County | 62,000 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Mercer County | 66,600 | 37,350 | 42,650 | 48,000 | 53,300 | 57,600 | 61,850 | 66,100 |
| Mifflin County | 57,300 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Monroe County | 81,500 | 45,650 | 52,200 | 58,700 | 65,200 | 70,450 | 75,650 | 80,850 |
| Montgomery County | 94,500 | 52,950 | 60,500 | 68,050 | 75,600 | 81,650 | 87,700 | 93,750 |
| Montour County | 78,100 | 43,750 | 50,000 | 56,250 | 62,500 | 67,500 | 72,500 | 77,500 |
| Northampton County | 81,900 | 45,850 | 52,400 | 58,950 | 65,500 | 70,750 | 76,000 | 81,250 |
| Northumberland County | 65,700 | 36,800 | 42,050 | 47,300 | 52,550 | 56,800 | 61,000 | 65,200 |
| Perry County | 84,900 | 47,550 | 54,350 | 61,150 | 67,900 | 73,350 | 78,800 | 84,200 |
| Philadelphia County | 94,500 | 52,950 | 60,500 | 68,050 | 75,600 | 81,650 | 87,700 | 93,750 |
| Pike County | 78,700 | 44,200 | 50,500 | 56,800 | 63,100 | 68,150 | 73,200 | 78,250 |
| Potter County | 59,700 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Schuylkill County | 68,400 | 38,300 | 43,800 | 49,250 | 54,700 | 59,100 | 63,500 | 67,850 |
| Snyder County | 70,300 | 39,350 | 44,950 | 50,550 | 56,150 | 60,650 | 65,150 | 69,650 |
| Somerset County | 63,900 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Sullivan County | 64,000 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Susquehanna County | 66,700 | 37,350 | 42,700 | 48,050 | 53,350 | 57,650 | 61,900 | 66,200 |
| Tioga County | 63,000 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Union County | 73,200 | 41,000 | 46,850 | 52,700 | 58,550 | 63,250 | 67,950 | 72,650 |
| Venango County | 63,100 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Warren County | 62,300 | 36,500 | 41,700 | 46,900 | 52,100 | 56,300 | 60,450 | 64,650 |
| Washington County | 84,800 | 47,500 | 54,300 | 61,100 | 67,850 | 73,300 | 78,750 | 84,150 |
| Wayne County | 71,500 | 40,050 | 45,800 | 51,500 | 57,200 | 61,800 | 66,400 | 70,950 |
| Westmoreland County | 84,800 | 47,500 | 54,300 | 61,100 | 67,850 | 73,300 | 78,750 | 84,150 |
| Wyoming County | 70,600 | 39,550 | 45,200 | 50,850 | 56,500 | 61,050 | 65,550 | 70,100 |
| York County | 81,800 | 45,850 | 52,400 | 58,950 | 65,450 | 70,700 | 75,950 | 81,200 |
👋 Next step: Talk to an expert!
If you’re serious about buying, connecting with a good local agent (or even a few) is a good first step. They can help you determine your budget and target neighborhoods, refer you to trusted local lenders so you can get pre-approved, and help you find homes in your budget.
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