How 2025 Area Median Income Changes Impact Homebuyers in Chester, Montgomery, Delaware, Bucks & Philadelphia Counties
If you’re considering buying a home in Chester, Delaware, Montgomery, Bucks, or Philadelphia County, the 2025 Area Median Income (AMI) updates may significantly affect your eligibility for mortgages, down-payment assistance, and local housing programs.
In this guide, J.R. Conway of CM Mortgage Services, Inc. breaks down what the AMI changes mean — and how to take advantage of them in today’s market.
What is Area Median Income (AMI)?
AMI is the income level at which half the households in a region earn more and half earn less. It’s a key metric used by lenders, housing authorities, and assistance programs to determine who qualifies for affordable housing and government-backed mortgage programs.
2025 AMI Levels by County
- Chester County: 100% AMI – $119,400 | 80% AMI – $95,520
- Delaware County: 100% AMI – $119,400 | 80% AMI – $95,520
- Montgomery County: 100% AMI – $119,400 | 80% AMI – $95,520
- Bucks County: 100% AMI – $119,400| 80% AMI – $95,520
- Philadelphia County: 100% AMI – $119,400 | 80% AMI – $95,520
Source: HUD & Local Housing Authorities
Why This Matters for Homebuyers
If your household income is below 80% of AMI, you may qualify for:
- First-time homebuyer programs
- Down-payment assistance
- Lower mortgage insurance premiums
- Discounted interest rates on certain loan products
Even households at 100% AMI may qualify for conventional loans with reduced PMI, state assistance programs, or flexible underwriting criteria that make it easier to buy a home.
Local Example: Chester County Buyer at 80% AMI
A family of four earning $95,520 in Chester County may now qualify for:
- FHA or Fannie Mae’s HomeReady® loans
- Freddie Mac’s Home Possible loans
- Grants to cover closing costs or down payments
These programs can dramatically reduce the upfront cost of purchasing a home.
What This Means for You
If your income has stayed the same or only increased slightly since 2024, you might now qualify for affordable mortgage options or assistance that was out of reach before — thanks to the 2025 AMI increases.
This is especially good news for:
- First-time buyers
- Young professionals and dual-income families
- Retirees relocating or downsizing
How CM Mortgage Services Can Help
At CM Mortgage Services, Inc., we help homebuyers:
- Understand their eligibility based on 2025 income limits
- Connect with local, state, and federal housing programs
- Secure financing tailored to their goals and budget
We specialize in helping buyers navigate options that save money and maximize buying power.
Contact Information
Call J.R. Conway at (610) 430-6852
Email: jrcmmortgage@gmail.com
Website: www.cmmortgage.com
Licensed in PA | NMLS #147631
Final Thought
“Think you might now qualify for a first-time buyer loan thanks to 2025 AMI changes? Let’s find out — no cost, no obligation.”
