Harrisburg FHA Loan Rates, Closing Costs & Stats

HARRISBURG-CARLISLE, PA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Harrisburg's 121 lenders originated 1,035 FHA loans during 2024. The total origination value was $228,875,000, with an average FHA loan value of $221,135.

    Harrisburg FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Harrisburg averaged 6.48% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Harrisburg's average FHA mortgage closing costs are $7,899.

    The average rate for the prior week (2025-03-28) was 6.78% and one month ago for the week of 2025-02-28, the average rate was 6.36%.

    The average rate one year ago was 6.88%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.98%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Harrisburg FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Harrisburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 137 6.42% $10,931
    UNITED WHOLESALE MORTGAGE, LLC 58 6.10% $12,605
    FREEDOM MORTGAGE CORPORATION 52 6.44% $12,548
    PENNYMAC LOAN SERVICES, LLC 44 6.19% $9,593
    BROKER SOLUTIONS, INC. 42 6.96% $10,506
    CROSSCOUNTRY MORTGAGE, LLC 39 6.88% $11,698
    LOANDEPOT.COM, LLC 38 6.56% $10,411
    CMG MORTGAGE, INC. 28 6.47% $12,941
    GUILD MORTGAGE COMPANY 25 6.45% $9,409
    RADIUS FINANCIAL GROUP INC. 22 6.57% $11,309
    FIRST ALLIANCE HOME MORTGAGE, LLC 20 6.66% $10,247
    EMM LOANS LLC 19 6.60% $11,962
    NEWREZ LLC 18 6.37% $10,570
    MOVEMENT MORTGAGE, LLC 15 6.71% $10,884
    M&T Bank 13 6.19% $8,106
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.91% $12,070
    MEMBERS 1ST FEDERAL CREDIT UNION 11 6.16% $8,820
    Equity Prime Mortgage LLC 11 6.49% $12,032
    Mr. Cooper ( Nationstar Mortgage ) 11 6.53% $11,818
    Univest Bank and Trust Co. 10 6.10% $11,640
    TIDEWATER MORTGAGE SERVICES, INC. 9 6.53% $8,839
    NATIONS DIRECT MORTGAGE, LLC 9 6.54% $11,551
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.59% $13,457
    FIRST COMMUNITY MORTGAGE, INC. 7 6.61% $9,626
    HOWARD HANNA FINANCIAL SERVICES, INC. 7 6.55% $8,835
    Mortgage America, Inc. 7 6.16% $9,307
    Carrington Mortgage Services, LLC 7 6.02% $11,607
    HOMESIDE FINANCIAL, LLC 7 6.41% $8,949
    Orrstown Bank 6 6.56% $7,167
    AMERISAVE MORTGAGE CORPORATION 6 6.10% $14,456
    PRIMARY RESIDENTIAL MORTGAGE, INC. 6 6.75% $7,175
    V.I.P. MORTGAGE, INC. 6 6.19% $11,984
    PLAZA HOME MORTGAGE, INC. 6 7.02% $14,545
    LAKEVIEW LOAN SERVICING, LLC 5 6.25% $9,349
    Capital Bank 5 6.63% $13,695
    Plains Commerce Bank 5 6.63% $9,397
    AmeriHome Mortgage Company, LLC 5 6.33% $8,544
    Sierra Pacific Mortgage Company, Inc. 5 6.13% $10,511
    UNION HOME MORTGAGE CORP. 5 6.47% $8,679
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.65% $10,004
    PLANET HOME LENDING, LLC 4 6.19% $6,945
    CARDINAL FINANCIAL 4 7.15% $12,357
    FIRST COLONY MORTGAGE CORPORATION 4 6.34% $10,421
    First National Bank of Pennsylvania 4 6.28% $9,965
    Flagstar Bank, FSB 4 6.72% $8,879
    Homesale Mortgage, LLC 4 6.75% $8,355
    LOANPAL, LLC 4 6.12% $12,571
    Mortgage Research Center, LLC 4 7.28% $5,931
    NFM, INC. 4 7.25% $13,424
    NVR Mortgage Finance, Inc. 4 6.68% $15,275
    Paramount Residential Mortgage Group, Inc. 4 6.91% $10,531
    POLARIS HOME FUNDING CORP. 4 6.44% $10,983
    York Traditions Bank 4 6.47% $9,344
    ZILLOW HOME LOANS, LLC 4 6.59% $11,035
    Farmers and Merchants Trust Company of Chambersburg 3 6.38% $8,284
    Mid Penn Bank 3 6.67% $7,577
    VILLAGE CAPITAL MORTGAGE 3 6.29% $7,502
    GUARANTEED RATE AFFINITY, LLC 3 6.79% $8,774
    Lakeview Community Capital, LLC 3 6.54% $12,422
    UNITED MORTGAGE CORP 3 7.04% $11,738
    Integrity Home Mortgage Corp 3 6.50% $9,984
    AMERICAN FINANCING CORPORATION 3 6.00% $11,666
    Fulton Bank 2 6.13% $8,920
    PNC Bank 2 6.44% $9,822
    Wells Fargo Bank 2 5.63% $8,322
    BETTER MORTGAGE CORPORATION 2 6.75% $9,119
    BAY CAPITAL MORTGAGE CORPORATION 2 6.75% $11,672
    GSF Mortgage Corporation 2 6.38% $9,457
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.37% $12,158
    RELIANCE FIRST CAPITAL, LLC 2 7.00% $14,264
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.50% $11,718
    SUN WEST MORTGAGE COMPANY, INC. 2 5.25% $23,579
    MY MORTGAGE, INC. 2 6.81% $17,989
    Meridian Bank Corporation 2 6.50% $15,476
    Alcova Mortgage LLC 2 6.50% $4,670
    Network Funding, L.P. 2 6.38% $9,374
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.75% $9,358
    CONTOUR MORTGAGE CORPORATION 1 6.25% $9,318
    PENTAGON FEDERAL CREDIT UNION 1 6.00% $11,211
    Century Mortgage Company DBA Century Lending Company 1 6.63% $6,019
    Acre Mortgage and Financial Inc 1 6.75% $12,037
    CANOPY MORTGAGE, LLC 1 6.13% $10,336
    BAY EQUITY LLC 1 6.63% $6,607
    STOCKTON MORTGAGE CORPORATION 1 5.63% $10,185
    SWBC MORTGAGE CORPORATION 1 6.75% $8,041
    Texana Bank 1 6.88% $6,528
    The Ephrata National Bank 1 6.13% $10,843
    The Loan Store, Inc. 1 6.75% $18,479
    THE MORTGAGE LINK, INC. 1 7.25% $15,576
    TOTAL MORTGAGE SERVICES, LLC 1 7.13% $12,632
    Truist 1 6.25% $5,696
    AMERICAN FINANCIAL NETWORK, INC. 1 5.63% $26,261
    GUARANTEED RATE, INC. 1 6.00% $16,990
    HARTFORD FUNDING, LTD. 1 5.75% $15,130
    Home Mortgage Alliance Corp 1 6.75% $13,782
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 6.13% $8,332
    HOMESPIRE MORTGAGE CORPORATION 1 6.13% $6,105
    Keystone Funding, Inc. 1 6.75% $12,590
    Ixonia Bank 1 6.75% $15,385
    GREENTREE MORTGAGE COMPANY, L.P. 1 6.63% $14,427
    ALLIED MORTGAGE GROUP, INC. 1 6.50% $6,316
    MDE Home Loans, LLC 1 6.25% $18,940
    Franklin Loan Corporation 1 6.13% $16,121
    MICHIGAN MUTUAL, INC. 1 6.13% $7,068
    MID AMERICA MORTGAGE, INC. 1 7.13% $7,800
    MID-ISLAND MORTGAGE CORP. 1 7.63% $17,980
    MILEND, INC. 1 6.25% $16,245
    Fortress Bank 1 7.13% $9,203
    MORTGAGE EQUITY PARTNERS LLC 1 6.63% $12,314
    First United Bank and Trust Company 1 6.13% $11,248
    FIDELITY DIRECT MORTGAGE, LLC 1 7.25% $16,360
    EVERETT FINANCIAL, INC. 1 5.50% $14,211
    East Coast Capital Corp. 1 6.50% $10,931
    NBKC BANK 1 6.49% $9,844
    DIRECT MORTGAGE LOANS, LLC 1 7.13% $13,246
    US MORTGAGE CORPORATION 1 6.50% $30,633
    Northpointe Bank 1 7.13% $9,893
    OCEANSIDE MORTGAGE COMPANY 1 6.49% $3,248
    Cornerstone First Mortgage, Inc 1 5.99% $9,643
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 7.50% $12,936
    PATRIOT 1 6.50% $8,824

    The top Harrisburg FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 137 FHA loans originated. Their average total fees are $10,931, which is $1,674 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Harrisburg FHA lenders (with over 10 loans originated) are M&T Bank ($8,106), MEMBERS 1ST FEDERAL CREDIT UNION ($8,820), GUILD MORTGAGE COMPANY ($9,409), PENNYMAC LOAN SERVICES, LLC ($9,593) and FIRST ALLIANCE HOME MORTGAGE, LLC ($10,247).

    The lowest rate Harrisburg FHA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.10%), Univest Bank and Trust Co. (6.10%), MEMBERS 1ST FEDERAL CREDIT UNION (6.16%), M&T Bank (6.19%) and PENNYMAC LOAN SERVICES, LLC (6.19%).

    Harrisburg FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    HARRISBURG-CARLISLE, PA CUMBERLAND 2022 $420,680 $538,650 $651,050 $809,150
    HARRISBURG-CARLISLE, PA DAUPHIN 2022 $420,680 $538,650 $651,050 $809,150
    HARRISBURG-CARLISLE, PA PERRY 2022 $420,680 $538,650 $651,050 $809,150
    HARRISBURG-CARLISLE, PA CUMBERLAND 2023 $472,030 $604,400 $730,525 $907,900
    HARRISBURG-CARLISLE, PA DAUPHIN 2023 $472,030 $604,400 $730,525 $907,900
    HARRISBURG-CARLISLE, PA PERRY 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Harrisburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $197,200 (10.2%) $241,318 (5.9%) 0.73 1,753
    2018-02-01 $201,950 (13.9%) $244,865 (6.4%) 0.73 1,669
    2018-03-01 $210,000 (13.6%) $254,267 (8.2%) 0.74 1,634
    2018-04-01 $208,500 (9.7%) $256,570 (5.9%) 0.71 1,660
    2018-05-01 $224,400 (12.2%) $265,594 (6.6%) 0.75 1,748
    2018-06-01 $219,900 (10.0%) $261,613 (4.6%) 0.73 1,876
    2018-07-01 $216,546 (11.1%) $260,414 (5.0%) 0.72 1,916
    2018-08-01 $219,900 (12.8%) $258,848 (5.5%) 0.74 1,963
    2018-09-01 $219,900 (15.8%) $260,591 (9.0%) 0.74 1,907
    2018-10-01 $217,133 (14.7%) $260,543 (10.4%) 0.74 1,890
    2018-11-01 $214,475 (15.7%) $258,527 (10.6%) 0.73 1,801
    2018-12-01 $219,266 (16.4%) $257,064 (9.7%) 0.76 1,615
    2019-01-01 $219,400 (11.3%) $256,397 (6.3%) 0.76 1,449
    2019-02-01 $219,950 (8.9%) $255,839 (4.5%) 0.74 1,362
    2019-03-01 $220,000 (4.8%) $262,573 (3.3%) 0.72 1,369
    2019-04-01 $220,000 (5.5%) $268,519 (4.7%) 0.70 1,413
    2019-05-01 $222,400 (-0.9%) $267,956 (0.9%) 0.70 1,497
    2019-06-01 $229,000 (4.1%) $270,171 (3.3%) 0.72 1,530
    2019-07-01 $233,450 (7.8%) $276,437 (6.2%) 0.73 1,555
    2019-08-01 $234,147 (6.5%) $278,892 (7.7%) 0.74 1,516
    2019-09-01 $237,383 (8.0%) $283,933 (9.0%) 0.76 1,449
    2019-10-01 $239,540 (10.3%) $286,782 (10.1%) 0.77 1,427
    2019-11-01 $234,900 (9.5%) $282,415 (9.2%) 0.77 1,404
    2019-12-01 $236,957 (8.1%) $284,642 (10.7%) 0.79 1,235
    2020-01-01 $239,900 (9.3%) $287,835 (12.3%) 0.80 1,061
    2020-02-01 $240,000 (9.1%) $291,490 (13.9%) 0.79 942
    2020-03-01 $249,993 (13.6%) $299,154 (13.9%) 0.78 904
    2020-04-01 $250,850 (14.0%) $301,074 (12.1%) 0.79 827
    2020-05-01 $254,100 (14.3%) $301,157 (12.4%) 0.77 890
    2020-06-01 $257,150 (12.3%) $301,846 (11.7%) 0.76 914
    2020-07-01 $261,075 (11.8%) $309,563 (12.0%) 0.76 792
    2020-08-01 $259,900 (11.0%) $314,156 (12.6%) 0.74 745
    2020-09-01 $256,650 (8.1%) $319,918 (12.7%) 0.74 724
    2020-10-01 $261,400 (9.1%) $325,379 (13.5%) 0.75 661
    2020-11-01 $257,550 (9.6%) $321,425 (13.8%) 0.75 620
    2020-12-01 $253,050 (6.8%) $313,620 (10.2%) 0.75 603
    2021-01-01 $259,900 (8.3%) $320,332 (11.3%) 0.78 525
    2021-02-01 $268,450 (11.9%) $323,661 (11.0%) 0.78 443
    2021-03-01 $279,125 (11.7%) $333,533 (11.5%) 0.79 447
    2021-04-01 $274,950 (9.6%) $341,816 (13.5%) 0.74 445
    2021-05-01 $279,000 (9.8%) $341,219 (13.3%) 0.74 496
    2021-06-01 $239,950 (-6.7%) $312,460 (3.5%) 0.63 634
    2021-07-01 $239,900 (-8.1%) $304,251 (-1.7%) 0.63 664
    2021-08-01 $239,950 (-7.7%) $308,494 (-1.8%) 0.64 684
    2021-09-01 $239,925 (-6.5%) $300,670 (-6.0%) 0.64 668
    2021-10-01 $249,900 (-4.4%) $318,190 (-2.2%) 0.67 654
    2021-11-01 $249,925 (-3.0%) $327,139 (1.8%) 0.67 610
    2021-12-01 $247,675 (-2.1%) $317,690 (1.3%) 0.67 535
    2022-01-01 $234,500 (-9.8%) $312,166 (-2.6%) 0.63 471
    2022-02-01 $261,950 (-2.4%) $336,308 (3.9%) 0.68 414
    2022-03-01 $262,450 (-6.0%) $337,825 (1.3%) 0.66 434
    2022-04-01 $289,900 (5.4%) $343,406 (0.5%) 0.69 492
    2022-05-01 $277,450 (-0.6%) $344,302 (0.9%) 0.63 565
    2022-06-01 $292,450 (21.9%) $355,315 (13.7%) 0.65 641
    2022-07-01 $298,053 (24.2%) $364,110 (19.7%) 0.67 679
    2022-08-01 $312,450 (30.2%) $367,617 (19.2%) 0.72 683
    2022-09-01 $297,450 (24.0%) $361,348 (20.2%) 0.70 703
    2022-10-01 $309,900 (24.0%) $364,632 (14.6%) 0.73 723
    2022-11-01 $309,500 (23.8%) $367,760 (12.4%) 0.74 706
    2022-12-01 $300,000 (21.1%) $363,491 (14.4%) 0.74 632
    2023-01-01 $319,998 (36.5%) $380,017 (21.7%) 0.79 538
    2023-02-01 $322,423 (23.1%) $388,846 (15.6%) 0.78 517
    2023-03-01 $344,925 (31.4%) $405,093 (19.9%) 0.81 505
    2023-04-01 $319,990 (10.4%) $403,248 (17.4%) 0.74 473
    2023-05-01 $320,550 (15.5%) $408,976 (18.8%) 0.73 503
    2023-06-01 $324,450 (10.9%) $397,203 (11.8%) 0.73 510
    2023-07-01 $332,350 (11.5%) $402,284 (10.5%) 0.76 519
    2023-08-01 $337,225 (7.9%) $405,813 (10.4%) 0.77 542
    2023-09-01 $330,000 (10.9%) $411,843 (14.0%) 0.77 577
    2023-10-01 $322,400 (4.0%) $403,593 (10.7%) 0.76 647
    2023-11-01 $297,575 (-3.9%) $388,152 (5.6%) 0.71 647
    2023-12-01 $306,200 (2.1%) $389,398 (7.1%) 0.75 608
    2024-01-01 $312,165 (-2.5%) $393,962 (3.7%) 0.76 542
    2024-02-01 $302,423 (-6.2%) $385,507 (-0.9%) 0.73 523
    2024-03-01 $309,950 (-10.1%) $387,121 (-4.4%) 0.73 555
    2024-04-01 $321,950 (0.6%) $398,868 (-1.1%) 0.75 559
    2024-05-01 $348,675 (8.8%) $425,138 (4.0%) 0.79 586
    2024-06-01 $349,900 (7.8%) $415,287 (4.6%) 0.80 625
    2024-07-01 $348,450 (4.8%) $421,413 (4.8%) 0.80 705
    2024-08-01 $337,000 (-0.1%) $415,138 (2.3%) 0.78 775
    2024-09-01 $332,450 (0.7%) $403,358 (-2.1%) 0.78 819
    2024-10-01 $333,509 (3.5%) $403,042 (-0.1%) 0.78 864
    2024-11-01 $331,990 (11.6%) $401,997 (3.6%) 0.80 837
    2024-12-01 $334,398 (9.2%) $401,738 (3.2%) 0.83 755
    2025-01-01 $349,450 (11.9%) $408,135 (3.6%) 0.87 708
    2025-02-01 $356,345 (17.8%) $408,910 (6.1%) 0.86 669
    2025-03-01 $364,900 (17.7%) $425,511 (9.9%) 0.00 664
    Harrisburg's median listing price for 2025-03-01 was $364,900, a difference of $54,950 (17.7%) versus the prior year and $8,555 versus the prior month.

    Harrisburg's median listing price comes in at 0% of the national average.

    Harrisburg's average listing price for 2025-03-01 was $425,511, a difference of $38,390 (9.9%) versus the prior year and $16,601 versus the prior month.

    For the 2025-03-01 period, Harrisburg had 664 MLS listings, a difference of -5 listings (-1%) versus the prior month and 109 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Harrisburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 93 days 1,799 sqft
    2018-02-01 88 days 1,814 sqft
    2018-03-01 72 days 1,846 sqft
    2018-04-01 60 days 1,832 sqft
    2018-05-01 54 days 1,850 sqft
    2018-06-01 52 days 1,970 sqft
    2018-07-01 59 days 1,954 sqft
    2018-08-01 62 days 1,950 sqft
    2018-09-01 64 days 1,966 sqft
    2018-10-01 67 days 1,944 sqft
    2018-11-01 72 days 1,920 sqft
    2018-12-01 80 days 1,920 sqft
    2019-01-01 89 days 1,907 sqft
    2019-02-01 85 days 1,900 sqft
    2019-03-01 61 days 1,905 sqft
    2019-04-01 42 days 1,936 sqft
    2019-05-01 42 days 2,018 sqft
    2019-06-01 47 days 2,031 sqft
    2019-07-01 53 days 2,082 sqft
    2019-08-01 54 days 2,070 sqft
    2019-09-01 54 days 2,096 sqft
    2019-10-01 56 days 2,114 sqft
    2019-11-01 60 days 2,105 sqft
    2019-12-01 74 days 2,100 sqft
    2020-01-01 86 days 2,097 sqft
    2020-02-01 72 days 2,100 sqft
    2020-03-01 50 days 2,133 sqft
    2020-04-01 63 days 2,104 sqft
    2020-05-01 66 days 2,132 sqft
    2020-06-01 37 days 2,118 sqft
    2020-07-01 35 days 2,109 sqft
    2020-08-01 32 days 2,114 sqft
    2020-09-01 36 days 2,079 sqft
    2020-10-01 50 days 2,084 sqft
    2020-11-01 51 days 2,067 sqft
    2020-12-01 54 days 2,058 sqft
    2021-01-01 65 days 2,063 sqft
    2021-02-01 59 days 2,070 sqft
    2021-03-01 47 days 2,056 sqft
    2021-04-01 41 days 2,018 sqft
    2021-05-01 36 days 1,962 sqft
    2021-06-01 34 days 1,853 sqft
    2021-07-01 36 days 1,881 sqft
    2021-08-01 37 days 1,863 sqft
    2021-09-01 43 days 1,853 sqft
    2021-10-01 43 days 1,816 sqft
    2021-11-01 44 days 1,830 sqft
    2021-12-01 51 days 1,823 sqft
    2022-01-01 52 days 1,831 sqft
    2022-02-01 43 days 1,869 sqft
    2022-03-01 32 days 1,855 sqft
    2022-04-01 33 days 1,888 sqft
    2022-05-01 35 days 1,885 sqft
    2022-06-01 35 days 1,919 sqft
    2022-07-01 38 days 1,936 sqft
    2022-08-01 39 days 1,956 sqft
    2022-09-01 43 days 1,938 sqft
    2022-10-01 44 days 1,951 sqft
    2022-11-01 47 days 1,964 sqft
    2022-12-01 57 days 1,950 sqft
    2023-01-01 68 days 1,989 sqft
    2023-02-01 60 days 1,934 sqft
    2023-03-01 47 days 2,011 sqft
    2023-04-01 38 days 2,010 sqft
    2023-05-01 36 days 1,990 sqft
    2023-06-01 38 days 1,992 sqft
    2023-07-01 38 days 2,031 sqft
    2023-08-01 34 days 2,038 sqft
    2023-09-01 37 days 2,050 sqft
    2023-10-01 36 days 1,980 sqft
    2023-11-01 43 days 1,911 sqft
    2023-12-01 50 days 1,875 sqft
    2024-01-01 54 days 1,873 sqft
    2024-02-01 43 days 1,844 sqft
    2024-03-01 40 days 1,876 sqft
    2024-04-01 37 days 1,863 sqft
    2024-05-01 31 days 1,907 sqft
    2024-06-01 35 days 1,932 sqft
    2024-07-01 37 days 1,969 sqft
    2024-08-01 37 days 1,967 sqft
    2024-09-01 39 days 1,964 sqft
    2024-10-01 45 days 1,947 sqft
    2024-11-01 46 days 1,936 sqft
    2024-12-01 50 days 1,913 sqft
    2025-01-01 56 days 1,906 sqft
    2025-02-01 49 days 1,904 sqft
    2025-03-01 0 days 1,928 sqft
    Harrisburg's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Harrisburg's median square footage for active listings during the 2025-03-01 period was 1,928 sqft. One year prior, the average listing was 1,876 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).