Mortgage lender in Lackawanna County, PA

Buying in Lackawanna County

Lackawanna County, with its county seat in Scranton, takes in Scranton, Dunmore, Clarks Summit, Carbondale and Moosic. Stellar lends across all of Pennsylvania, and Lackawanna County files are handled from our Southampton, PA office by a licensed officer you can reach directly.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

title company

State housing agency

PHFA (participating lender)

Your office

Southampton, PA

2026 limits for a one-unit property. Lackawanna County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Lackawanna County. Loans above it are jumbo, which means tighter reserves and different pricing.

Lackawanna County: Scranton and the valley towns

Lackawanna County follows its valley from Carbondale down through Archbald, Dickson City, Dunmore and Scranton to Old Forge and Moosic. Northwest of the city, Clarks Summit, Clarks Green and the rest of the Abingtons are the main suburban area, and the North Pocono area around Moscow is more rural.

Much of the valley housing was built before 1950, and side-by-side double homes are a local staple. Buying one to live in one half is owner-occupant financing, and part of the rent from the other half can sometimes be used to qualify, depending on the program. Older homes also mean an FHA or VA appraisal is more likely to raise condition items such as peeling paint, old wiring or a worn roof, so we ask about condition before the offer goes in. Prices are moderate, and PHFA assistance is a common fit for first-time buyers here. In the rural townships, wells, septic systems and USDA-eligible addresses come up regularly.

Lackawanna County by the numbers

Median home value

$201,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.49% of home value a year: median tax bill $3,012 on a median value of $201,800 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State realty transfer tax of 1% of the value, plus a local tax that varies by municipality (Pennsylvania Department of Revenue)

Largest communities

Scranton, Dunmore, South Abington Township, Carbondale (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $201,800. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Pennsylvania

Closings in Pennsylvania are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Pennsylvania page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Lackawanna County buyers ask

Conforming limit shown is the 2026 FHFA figure for Lackawanna County. FHA limits and state agency caps are set by HUD and PHFA and change periodically. Verify on the official source. Not a commitment to lend.