Mortgage lender in Lebanon County, PA

Buying in Lebanon County

Lebanon County, with its county seat in Lebanon, takes in Lebanon, Annville, Palmyra and Myerstown. Stellar lends across all of Pennsylvania, and Lebanon 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. Lebanon 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 Lebanon County. Loans above it are jumbo, which means tighter reserves and different pricing.

Lebanon County: between Hershey and Reading

Lebanon County sits between Harrisburg and Reading, with the City of Lebanon at its center, Palmyra and Annville to the west, Myerstown and Richland to the east, and Cornwall and Mount Gretna to the south. Outside the boroughs it is working farmland.

Palmyra and Annville draw buyers who work in the Hershey area, and the eastern end looks toward Berks County, so we often see borrowers whose jobs are in a neighboring county; that changes nothing about qualifying. Fort Indiantown Gap, in the northern part of the county, brings VA-eligible buyers, and we request the Certificate of Eligibility at the start of the file. Much of the county outside Lebanon city is rural enough that wells and septic systems are normal and some addresses fall inside the USDA eligibility map, which we check property by property. In the city, older rowhomes and twins make FHA appraisal condition worth discussing before you offer.

Lebanon County by the numbers

Median home value

$242,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.37% of home value a year: median tax bill $3,310 on a median value of $242,000 (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

Lebanon, North Lebanon Township, South Lebanon Township, Jackson Township (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $242,000. 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 Lebanon County buyers ask

Conforming limit shown is the 2026 FHFA figure for Lebanon 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.