19522 — Berks County, Pennsylvania Market Snapshot
Housing market data for zip code 19522 in Berks County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$403,100
Days to Sell
5
Homes Sold
15
Inventory
16
Sale-to-List
99.8%
New Listings
35
Price/SqFt
$171
Pending Sales
24
Conforming Loan Available
Most homebuyers in 19522 can comfortably use conventional financing. The median home price of $403,100 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
19522 is an extremely competitive market with homes selling in just 5 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 19522 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 19522 can comfortably use conventional financing. The median home price of $403,100 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 19522 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 19522
To purchase the median home at $403,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,238.
Monthly Payment
$3,238
Income Required
$138,789
Principal & Interest
$2,484/mo
Down Payment (5%)
$20,155
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 19522.
Estimated Monthly Payment
$2,645
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