18031 — Berks County, Pennsylvania Market Snapshot
Housing market data for zip code 18031 in Berks County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$409,990
Days to Sell
50
Homes Sold
29
Inventory
15
Sale-to-List
99.3%
New Listings
39
Price/SqFt
$260
Pending Sales
37
Conforming Loan Available
Most homebuyers in 18031 can comfortably use conventional financing. The median home price of $409,990 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
18031's market is balanced with homes taking an average of 50 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 18031 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 18031 can comfortably use conventional financing. The median home price of $409,990 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 18031 are set at the county level.
2026 Loan Limits — Berks 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 18031
To purchase the median home at $409,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,291.
Monthly Payment
$3,291
Income Required
$141,052
Principal & Interest
$2,526/mo
Down Payment (5%)
$20,500
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 18031.
Estimated Monthly Payment
$2,687
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