19518 — Berks County, Pennsylvania Market Snapshot
Housing market data for zip code 19518 in Berks County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$525,000
Days to Sell
7
Homes Sold
37
Inventory
16
Sale-to-List
101.0%
New Listings
53
Price/SqFt
$178
Pending Sales
59
Conforming Loan Available
Most homebuyers in 19518 can comfortably use conventional financing. The median home price of $525,000 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
19518 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 19518 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 19518 can comfortably use conventional financing. The median home price of $525,000 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 19518 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 19518
To purchase the median home at $525,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,172.
Monthly Payment
$4,172
Income Required
$178,816
Principal & Interest
$3,235/mo
Down Payment (5%)
$26,250
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 19518.
Estimated Monthly Payment
$3,399
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