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Published: December 2, 2024
2025 Conventional and FHA Mortgage Loan Limits for Berks County, Pennsylvania
Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Property Type
2025 Loan Limit
1-Unit Homes
$524,225
2-Unit Homes
$671,200
3-Unit Homes
$811,275
4-Unit Homes
$1,008,300
Source: Federal Housing Finance Agency; Federal Housing Administration
Berks County, Pennsylvania, mortgage loan limits apply in:
Berks County 2025 mortgage loan limits include the following cities: Albany, Alleghenyville, Alsace, Alsace Manor, Amity, Amity Gardens, Bally, Baumstown, Bechtelsville, Bern, Bernville, Bethel, Bethel (Township), Birdsboro, Blandon, Bowers, Boyertown, Brecknock, Caernarvon, Centerport, Centre, Colebrookdale, Colony Park, Cumru, Dauberville, District, Douglass, Douglassville, Dryville, Earl, Edenburg, Exeter, Fleetwood, Flying Hills, Fox Chase, Frystown, Gibraltar, Gouglersville, Greenfields, Greenwich, Grill, Hamburg, Heidelberg, Hereford, Hereford (Township), Hyde Park, Jacksonwald, Jefferson, Kempton, Kenhorst, Kutztown, Kutztown University, Laureldale, Leesport, Lenhartsville, Lincoln Park, Longswamp, Lorane, Lower Alsace, Lower Heidelberg, Lyons, Maidencreek, Marion, Maxatawny, Maxatawny (Township), Mertztown, Mohnton, Mohrsville, Montrose Manor, Mount Aetna, Mount Penn, Muhlenberg, Muhlenberg Park, New Berlinville, New Jerusalem, New Morgan, New Schaefferstown, North Heidelberg, Oley, Oley (Township), Ontelaunee, Penn, Pennside, Penn State Berks, Pennwyn, Perry, Pike, Reading, Rehrersburg, Reiffton, Richmond, Riverview Park, Robeson, Robesonia, Rockland, Ruscombmanor, Schubert, Shartlesville, Shillington, Shoemakersville, Sinking Spring, South Heidelberg, South Temple, Spring, Springmont, Spring Ridge, St. Lawrence, Stony Creek Mills, Stouchsburg, Strausstown, Temple, Tilden, Topton, Tulpehocken, Union, Upper Bern, Upper Tulpehocken, Virginville, Walnuttown, Washington, Wernersville, West Hamburg, West Lawn, West Reading, West Wyomissing, Whitfield, Windsor, Womelsdorf, Wyomissing
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51
Historical Charts: Mortgage Loan Limits in Berks County, Pennsylvania
Berks County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.
Conforming Loans
FHA Loans
Mortgage Statistics from Berks County, Pennsylvania
Berks County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.
Mortgages
Total
Purchase Mortgages (2018-2023)
23,660
Loan Type
Relative Share
Conventional
67.04%
FHA
25.71%
VA
5.20%
USDA
2.05%
Property Type
Relative Share
1-Unit Homes
97.60%
2-Unit Homes
1.65%
3-Unit Homes
0.51%
4-Unit Homes
0.23%
Borrower Status
Relative Share
One Applicant
61.01%
Two or More Applicants
38.99%
Gender
Relative Share
Male
37.30%
Female
24.49%
Joint Sex
34.15%
Not Available
4.05%
Race
Relative Share
American Indian / Alaska Native
0.30%
Asian
1.44%
Black / African American
4.34%
Native Hawaiian / Other Pacific Islander
0.22%
White
81.20%
Mixed Race
1.37%
Other Race
11.15%
Ethnicity
Relative Share
Hispanic or Latino
20.62%
Not Hispanic or Latino
68.74%
Joint Ethnicity
1.57%
Other Ethnicity
9.07%
Berks County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Berks County, Pennsylvania
2025 conforming and FHA mortgage loan limits for for the areas surrounding Berks County, Pennsylvania. Local loan limits and county-level mortgage data updated regularly.
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