Mortgage lender in Monroe County, PA

Buying in Monroe County

Monroe County, with its county seat in Stroudsburg, takes in Stroudsburg, East Stroudsburg, Mount Pocono, Tannersville and Tobyhanna. Stellar lends across all of Pennsylvania, and Monroe 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. Monroe 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 Monroe County. Loans above it are jumbo, which means tighter reserves and different pricing.

Monroe County: buying in the Poconos

Monroe County is the heart of the Poconos: Stroudsburg and East Stroudsburg along Interstate 80, Mount Pocono, Tobyhanna and Pocono Pines up on the plateau, and Brodheadsville and Saylorsburg to the west. A large share of the homes sit inside private planned communities with their own roads, amenities and association dues.

Those details matter to the loan. Association dues count in your monthly payment for qualifying, so we collect them up front. Many homes use a well and a septic system, which FHA, VA and USDA appraisals look at closely. And how you will use the house is the first question: a primary residence, a second home and a short-term rental are three different loans with different down payment, pricing and occupancy rules, so we settle that before quoting anything. Many Monroe buyers commute east into New Jersey or New York, and that out-of-state income counts normally. Tobyhanna Army Depot also brings VA-eligible buyers into the market.

Monroe County by the numbers

Median home value

$267,600 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.66% of home value a year: median tax bill $4,447 on a median value of $267,600 (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

Coolbaugh Township, Stroud Township, Chestnuthill Township, Middle Smithfield Township (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $267,600. 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 Monroe County buyers ask

Conforming limit shown is the 2026 FHFA figure for Monroe 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.