Mortgage lender in Pike County, PA

Buying in Pike County

Pike County, with its county seat in Milford, takes in Milford, Matamoras, Dingmans Ferry and Lords Valley. Stellar lends across all of Pennsylvania, and Pike County files are handled from our Southampton, PA office by a licensed officer you can reach directly.

2026 conforming limit

$1,209,750 (high-cost area)

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. Pike County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Pike County sits inside the New York metropolitan high-cost area, so its conforming limit is $1,209,750, the FHFA high-cost limit for this area, rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in Pennsylvania can still be a conforming loan here, with conforming pricing and guidelines.

Pike County: Milford, Lake Wallenpaupack and the private communities

Pike County is the northeastern corner of Pennsylvania, on the New York and New Jersey lines. Milford is the county seat, and Matamoras is about 10 miles up the Delaware; Dingmans Ferry and Bushkill are to the south; and Lords Valley, Greentown and the Lake Wallenpaupack shore are to the west. Much of the housing is in large private communities.

Pike is counted in the New York metropolitan area for conforming loans, so its 2026 conforming limit is far above the rest of Pennsylvania, while its FHA limit is the standard figure used across most of the state. Association dues in the private communities count in the payment. Many residents commute to New Jersey or New York, and that income counts normally. How you will use the house matters too: a primary residence, a second home and a short-term rental are different loans. Wells and septic systems are standard.

Pike County by the numbers

Median home value

$272,600 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.30% of home value a year: median tax bill $3,542 on a median value of $272,600 (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

Dingman Township, Lehman Township, Delaware Township, Blooming Grove Township (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $272,600. The 2026 one-unit conforming loan limit here is $1,209,750 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 Pike County buyers ask

Conforming limit shown is the 2026 FHFA figure for Pike 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.