Harrisburg FHA Loan Rates, Closing Costs & Stats

HARRISBURG-CARLISLE, PA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Loan Limits
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 124 lenders originated 1,004 FHA loans during 2023. The total origination value was $213,130,000, with an average FHA loan value of $212,281.

    Harrisburg FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Harrisburg averaged 6.29% for the week of 2025-02-14, compared to the national average (all FHA variants) of 6.515% for the same period.

    Harrisburg's average FHA mortgage closing costs are $7,569.

    The average rate for the prior week (2025-02-07) was 6.31% and one month ago for the week of 2025-01-10, the average rate was 6.77%.

    The average rate one year ago was 6.5%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.55%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 132 6.33% $10,451
    UNITED WHOLESALE MORTGAGE, LLC 67 6.35% $12,041
    Northpointe Bank 51 6.28% $9,655
    CROSSCOUNTRY MORTGAGE, LLC 39 6.79% $10,234
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 38 7.02% $12,687
    LOANDEPOT.COM, LLC 29 6.36% $11,696
    FREEDOM MORTGAGE CORPORATION 28 6.89% $12,943
    NEWREZ LLC 25 6.34% $11,682
    EMM LOANS LLC 23 6.52% $11,311
    TIDEWATER MORTGAGE SERVICES, INC. 23 6.70% $11,193
    FIRST ALLIANCE HOME MORTGAGE, LLC 20 7.08% $11,148
    PENNYMAC LOAN SERVICES, LLC 19 6.14% $12,052
    GUILD MORTGAGE COMPANY 18 6.61% $9,813
    BROKER SOLUTIONS, INC. 17 6.81% $12,041
    MEMBERS 1ST FEDERAL CREDIT UNION 15 6.38% $8,370
    Citizens Bank 14 6.48% $10,488
    HOWARD HANNA FINANCIAL SERVICES, INC. 13 6.92% $9,775
    M&T Bank 13 6.08% $8,208
    CMG MORTGAGE, INC. 13 6.78% $11,939
    MOVEMENT MORTGAGE, LLC 12 6.94% $10,913
    Mortgage America, Inc. 11 6.61% $7,946
    LAKEVIEW LOAN SERVICING, LLC 10 6.13% $10,036
    Mr. Cooper ( Nationstar Mortgage ) 10 6.13% $13,416
    AMERISAVE MORTGAGE CORPORATION 10 6.09% $12,157
    GUARANTEED RATE AFFINITY, LLC 10 6.91% $11,488
    HOMEBRIDGE FINANCIAL SERVICES, INC. 10 6.52% $10,717
    HOMESPIRE MORTGAGE CORPORATION 9 6.49% $11,791
    NATIONS DIRECT MORTGAGE, LLC 8 6.67% $15,649
    LOANPAL, LLC 7 5.55% $16,311
    CARDINAL FINANCIAL 7 6.12% $15,248
    UNION HOME MORTGAGE CORP. 6 6.27% $11,265
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 6 6.77% $12,805
    MUTUAL OF OMAHA MORTGAGE, INC. 6 6.83% $14,032
    Foote Capital Mortgage Company 5 6.40% $11,924
    PNC Bank 5 7.20% $7,258
    HOMESIDE FINANCIAL, LLC 5 6.63% $10,157
    Plains Commerce Bank 5 6.33% $11,145
    Flagstar Bank, FSB 5 6.92% $9,853
    AMERICAN FINANCIAL NETWORK, INC. 4 6.53% $12,577
    THRIVE MORTGAGE, LLC 4 6.88% $8,356
    Integrity Home Mortgage Corp 4 5.84% $16,676
    NVR Mortgage Finance, Inc. 4 6.00% $13,258
    Carrington Mortgage Services, LLC 4 6.03% $13,910
    TOP FLITE FINANCIAL, INC. 4 6.81% $17,036
    Farmers and Merchants Trust Company of Chambersburg 4 6.66% $8,699
    MILEND, INC. 4 6.53% $13,540
    FIRST COMMUNITY MORTGAGE, INC. 4 7.09% $9,424
    RADIUS FINANCIAL GROUP INC. 3 7.04% $12,947
    Prosperity Home Mortgage, LLC 3 6.62% $9,980
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 7.17% $10,909
    FIRST COLONY MORTGAGE CORPORATION 3 7.29% $8,595
    PLANET HOME LENDING, LLC 3 5.71% $10,975
    Fulton Bank 3 6.46% $12,433
    PENTAGON FEDERAL CREDIT UNION 3 6.04% $8,683
    York Traditions Bank 3 6.33% $8,146
    PATRIOT 3 6.00% $9,611
    ZILLOW HOME LOANS, LLC 3 6.79% $10,916
    Paramount Residential Mortgage Group, Inc. 3 7.00% $13,958
    Barrington Bank & Trust Company, N.A. 3 6.17% $11,526
    Orrstown Bank 3 6.38% $8,599
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.92% $5,372
    EMBRACE HOME LOANS, INC. 3 6.71% $11,411
    RELIANCE FIRST CAPITAL, LLC 3 6.33% $14,366
    THE MORTGAGE LINK, INC. 2 6.56% $10,440
    Alcova Mortgage LLC 2 7.50% $9,468
    ALLIED MORTGAGE GROUP, INC. 2 6.94% $8,984
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.94% $9,780
    FIRST HERITAGE FINANCIAL, LLC 2 6.37% $5,386
    GUARANTEED RATE, INC. 2 5.65% $10,272
    MEMBER FIRST MORTGAGE, LLC 2 7.00% $6,864
    NBKC BANK 2 6.56% $8,459
    NFM, INC. 2 6.38% $9,714
    PLAZA HOME MORTGAGE, INC. 2 6.75% $14,302
    SUN WEST MORTGAGE COMPANY, INC. 2 6.77% $11,841
    1ST FINANCIAL, INC. 2 6.12% $13,814
    Meridian Bank Corporation 1 6.13% $13,019
    NATIONS RELIABLE LENDING, LLC 1 6.88% $10,579
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.38% $10,545
    VILLAGE CAPITAL MORTGAGE 1 6.63% $1,356
    NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $14,784
    MDE Home Loans, LLC 1 6.25% $19,210
    Waterstone Mortgage Corporation 1 6.13% $6,020
    Magnolia Bank 1 6.49% $7,248
    LIBERTY HOME MORTGAGE CORPORATION 1 7.50% $16,442
    JPMorgan Chase Bank 1 5.63% $13,794
    Homesale Mortgage, LLC 1 7.25% $9,842
    GUARANTY HOME MORTGAGE CORPORATION 1 5.75% $11,815
    GREENTREE MORTGAGE COMPANY, L.P. 1 6.63% $15,157
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.63% $8,659
    GENEVA FINANCIAL, LLC 1 6.63% $12,524
    First National Bank of Pennsylvania 1 5.50% $9,402
    Wells Fargo Bank 1 6.50% $16,161
    FIRST HOME MORTGAGE CORPORATION 1 6.25% $7,354
    POLARIS HOME FUNDING CORP. 1 6.13% $17,524
    FIDELITY DIRECT MORTGAGE, LLC 1 5.63% $13,341
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.38% $6,464
    EVERETT FINANCIAL, INC. 1 7.63% $15,107
    Equity Prime Mortgage LLC 1 7.38% $9,861
    ENVOY MORTGAGE, LTD 1 6.00% $17,214
    DIRECT MORTGAGE LOANS, LLC 1 7.13% $12,267
    Residential Mortgage Solutions, Inc. 1 7.50% $5,199
    Sierra Pacific Mortgage Company, Inc. 1 6.13% $5,980
    STOCKTON MORTGAGE CORPORATION 1 8.13% $10,297
    SUCCESS MORTGAGE PARTNERS, INC. 1 5.99% $16,008
    AMERICAN FINANCING CORPORATION 1 6.50% $15,750
    T2 FINANCIAL LLC 1 6.63% $9,557
    The Federal Savings Bank 1 5.75% $16,249
    The Loan Store, Inc. 1 6.88% $12,261
    ACADEMY MORTGAGE CORPORATION 1 7.25% $10,268
    The Union Bank Company 1 5.75% $16,936
    CONTOUR MORTGAGE CORPORATION 1 7.63% $7,645
    Citibank 1 6.25% $5,847
    CHURCHILL MORTGAGE CORPORATION 1 6.13% $4,862
    TOTAL MORTGAGE SERVICES, LLC 1 6.75% $11,051
    Towne Bank 1 6.75% $17,964
    Truist 1 6.75% $11,117
    AmeriHome Mortgage Company, LLC 1 7.13% $7,177
    American Mortgage & Equity Consultants, Inc. 1 7.50% $15,729
    U.S. Bank 1 7.25% $8,396
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.00% $14,049
    Mortgage Research Center, LLC 1 7.63% $7,025
    MORTGAGE ACCESS CORP. 1 6.50% $17,932
    Mid Penn Bank 1 6.25% $10,342
    Mid-Continent Funding, Inc. 1 7.25% $10,686

    The top Harrisburg FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 132 FHA loans originated. Their average total fees are $10,451, which is $1,590 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Harrisburg FHA lenders (with over 10 loans originated) are Mortgage America, Inc. ($7,946), M&T Bank ($8,208), MEMBERS 1ST FEDERAL CREDIT UNION ($8,370), Northpointe Bank ($9,655) and HOWARD HANNA FINANCIAL SERVICES, INC. ($9,775).

    The lowest rate Harrisburg FHA lenders (with over 10 loans originated) are M&T Bank (6.08%), AMERISAVE MORTGAGE CORPORATION (6.09%), LAKEVIEW LOAN SERVICING, LLC (6.13%), Mr. Cooper ( Nationstar Mortgage ) (6.13%) and PENNYMAC LOAN SERVICES, LLC (6.14%).

    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%) 0.73 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%) 0.71 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%) 0.80 586
    2024-06-01 $349,900 (7.8%) $415,287 (4.6%) 0.79 625
    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%) 0.00 708
    Harrisburg's median listing price for 2025-01-01 was $349,450, a difference of $37,285 (11.9%) versus the prior year and $15,052 versus the prior month.

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

    Harrisburg's average listing price for 2025-01-01 was $408,135, a difference of $14,173 (3.6%) versus the prior year and $6,397 versus the prior month.

    For the 2025-01-01 period, Harrisburg had 708 MLS listings, a difference of -47 listings (-6%) versus the prior month and 166 listings (31%) 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 48 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 35 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 28 days 1,907 sqft
    2024-06-01 30 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 0 days 1,906 sqft
    Harrisburg's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Harrisburg's median square footage for active listings during the 2025-01-01 period was 1,906 sqft. One year prior, the average listing was 1,873 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).