Income limits · Pennsylvania

Income limits and price caps in Pennsylvania

86 Pennsylvania programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.86 Pennsylvania programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Philadelphia	$122,700	8	FY2026	Philadelphia programs →
Allegheny	$110,400	7	FY2026	Allegheny programs →
Montgomery	$122,700	6	FY2026	Montgomery programs →
Centre	$118,300	4	FY2026	Centre programs →
Delaware	$122,700	4	FY2026	Delaware programs →
Lackawanna	$92,400	4	FY2026	Lackawanna programs →
Berks	$102,100	3	FY2026	Berks programs →
Bucks	$122,700	3	FY2026	Bucks programs →
Chester	$122,700	3	FY2026	Chester programs →
Dauphin	$109,300	3	FY2026	Dauphin programs →
Erie	$88,600	3	FY2026	Erie programs →
Luzerne	$92,400	3	FY2026	Luzerne programs →
Washington	$110,400	3	FY2026	Washington programs →
York	$105,900	3	FY2026	York programs →
Butler	$110,400	2	FY2026	Butler programs →
Cumberland	$109,300	2	FY2026	Cumberland programs →
Monroe	$94,900	2	FY2026	Monroe programs →
Northampton	$104,400	2	FY2026	Northampton programs →
Adams	$106,800	1	FY2026	Adams programs →
Beaver	$110,400	1	FY2026	Beaver programs →
Blair	$92,400	1	FY2026	Blair programs →
Cambria	$84,500	1	FY2026	Cambria programs →
Fayette	$110,400	1	FY2026	Fayette programs →
Indiana	$83,800	1	FY2026	Indiana programs →
Lancaster	$109,200	1	FY2026	Lancaster programs →
Lawrence	$86,900	1	FY2026	Lawrence programs →
Lebanon	$98,200	1	FY2026	Lebanon programs →
Lehigh	$104,400	1	FY2026	Lehigh programs →
Lycoming	$85,200	1	FY2026	Lycoming programs →
Mercer	$83,600	1	FY2026	Mercer programs →
Pike	$100,500	1	FY2026	Pike programs →
Union	$103,100	1	FY2026	Union programs →
Westmoreland	$110,400	1	FY2026	Westmoreland programs →
Armstrong	$81,300	0	FY2026	Armstrong programs →
Bedford	$84,900	0	FY2026	Bedford programs →
Bradford	$87,400	0	FY2026	Bradford programs →
Cameron	$69,900	0	FY2026	Cameron programs →
Carbon	$104,400	0	FY2026	Carbon programs →
Clarion	$85,400	0	FY2026	Clarion programs →
Clearfield	$84,700	0	FY2026	Clearfield programs →
Clinton	$79,800	0	FY2026	Clinton programs →
Columbia	$90,800	0	FY2026	Columbia programs →
Crawford	$78,500	0	FY2026	Crawford programs →
Elk	$88,600	0	FY2026	Elk programs →
Forest	$68,000	0	FY2026	Forest programs →
Franklin	$99,800	0	FY2026	Franklin programs →
Fulton	$88,200	0	FY2026	Fulton programs →
Greene	$90,700	0	FY2026	Greene programs →
Huntingdon	$88,600	0	FY2026	Huntingdon programs →
Jefferson	$77,600	0	FY2026	Jefferson programs →
Juniata	$82,600	0	FY2026	Juniata programs →
McKean	$84,200	0	FY2026	McKean programs →
Mifflin	$81,400	0	FY2026	Mifflin programs →
Montour	$98,200	0	FY2026	Montour programs →
Northumberland	$85,600	0	FY2026	Northumberland programs →
Perry	$109,300	0	FY2026	Perry programs →
Potter	$80,800	0	FY2026	Potter programs →
Schuylkill	$85,600	0	FY2026	Schuylkill programs →
Snyder	$84,100	0	FY2026	Snyder programs →
Somerset	$83,500	0	FY2026	Somerset programs →
Sullivan	$91,000	0	FY2026	Sullivan programs →
Susquehanna	$88,300	0	FY2026	Susquehanna programs →
Tioga	$81,400	0	FY2026	Tioga programs →
Venango	$81,300	0	FY2026	Venango programs →
Warren	$80,000	0	FY2026	Warren programs →
Wayne	$84,800	0	FY2026	Wayne programs →
Wyoming	$92,400	0	FY2026	Wyoming programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–September 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each Pennsylvania program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

44 programs

All 44 →

Up to 100% AMI

8 programs

All 8 →

Up to 140% AMI

4 programs

Up to 60% AMI

3 programs

Up to 115% AMI

2 programs

Other limits

120% AMI · 2
- First Time Homebuyer program
- First-Time Homebuyer Fund
50% AMI · 1
- Montgomery County Housing Authority Homeownership Program (Housing Choice Voucher Homeownership Option)
105% AMI · 1
- NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan
150% AMI · 1
- Next Steps Grant
No percentage published · 20
Each sets its limit another way: a dollar figure, the agency’s own words, or a price cap only.
All 20 →

Limits as written in each program record, Hey Prescott, verified June–September 2026. Confirm current limits with the administering agency.

Purchase price caps

10 programs also cap the home’s price10 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
First Time Home Buyer Program	Chester	80% AMI	$496,850
Adams County Homebuyer Assistance Program (Downpayment Assistance)	Adams	100% AMI	$323,150
Upper Darby Township First Time Homebuyer Program	Delaware	80% AMI	$304,000
Delaware County Homeownership First Program	Delaware	80% AMI	$290,000
Homeownership First Program	Delaware	80% AMI	$290,000
Tenfold Lancaster Homebuyer Assistance Program	Lancaster	—	$277,000
City of York Homebuyer Grant Program	York	—	$236,000
York City Homebuyer Assistance Program (HOME)	York	—	$236,000
Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)	Dauphin	80% AMI	$224,000
First - Time Homebuyers Program	Dauphin	80% AMI	$195,000

All 10 price caps →

City of York Homebuyer Grant Program$236,000
York City Homebuyer Assistance Program (HOME)$236,000
Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)$224,000
First - Time Homebuyers Program$195,000

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–September 2026.

Not sure where your income lands?

91 HUD-approved counseling agencies in Pennsylvania91 HUD-approved housing counseling agencies in Pennsylvania

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring Pennsylvania

Pennsylvania programs92 programsBack to Pennsylvania →All 67 countiesLocal programs and mediansSee counties →17 cities with a programbethlehem, carbondale, chester and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in Pennsylvania?

86 down payment assistance programs in Pennsylvania publish an income limit, a purchase price cap, or both. 66 express the limit as a share of the area median income for the county where the home is, and 51 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–September 2026.
HUD-approved housing counseling agencies: HUD agency list.