16201 — Armstrong County, Pennsylvania Market Snapshot
Housing market data for zip code 16201 in Armstrong County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$178,500
Days to Sell
57
Homes Sold
30
Inventory
32
Sale-to-List
98.3%
New Listings
32
Price/SqFt
$135
Pending Sales
35
Conforming Loan Available
Most homebuyers in 16201 can comfortably use conventional financing. The median home price of $178,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
16201's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 16201 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 16201 can comfortably use conventional financing. The median home price of $178,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 16201 are set at the county level.
2026 Loan Limits — Armstrong County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 16201
To purchase the median home at $178,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,518.
Monthly Payment
$1,518
Income Required
$65,040
Principal & Interest
$1,100/mo
Down Payment (5%)
$8,925
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 16201.
Estimated Monthly Payment
$1,255
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