Mortgage lender in Northampton County, PA

Buying in Northampton County

Northampton County, with its county seat in Easton, takes in Easton, Bethlehem, Nazareth, Bath, Palmer Township and Forks Township. Stellar lends across all of Pennsylvania, and Northampton 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. Northampton 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 Northampton County. Loans above it are jumbo, which means tighter reserves and different pricing.

Northampton County: Easton, the Bethlehem side of the line and the Slate Belt

Northampton County is the eastern Lehigh Valley, bordered by the Delaware River and New Jersey, which makes it a natural landing spot for buyers who work across the river or commute toward New York on I-78 and Route 22. Easton, the county seat, has a walkable downtown and older housing stock along the river; Bethlehem's Northampton County side includes the historic district and the SteelStacks redevelopment; and Forks, Palmer, Bethlehem Township and Lower Nazareth are where most of the county's newer single-family subdivisions have been built. To the north, Nazareth, Bath and the Slate Belt towns of Bangor, Pen Argyl and Wind Gap are smaller and more affordable, with some addresses inside USDA's eligible area.

Two location-specific items come up here. Easton and the riverfront boroughs have parcels in mapped flood zones along the Delaware and the Lehigh, so we pull the flood determination before you write the offer. And buyers moving from New Jersey are often surprised that Pennsylvania has no attorney review period and that closings run through a title company, so we walk through the timeline at the first call.

Northampton County files are handled from our Southampton office by a licensed Pennsylvania officer, mostly by phone and secure portal given the distance, with PHFA assistance available to buyers within the agency's income and price limits and VA and conventional options for everyone else.

Northampton County by the numbers

Median home value

$308,600 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.52% of home value a year: median tax bill $4,700 on a median value of $308,600 (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

Bethlehem, Easton, Palmer Township, Forks Township (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $308,600. 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 Northampton County buyers ask

Conforming limit shown is the 2026 FHFA figure for Northampton 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.