19538 — Berks County, Pennsylvania Market Snapshot
Housing market data for zip code 19538 in Berks County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Berks County county page for broader data.
Market Sales Data
1 sales in 2023
Median Sale Price
$599,900
Days to Sell
53
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 19538 can comfortably use conventional financing. The median home price of $599,900 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
19538's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 19538 can comfortably use conventional financing. The median home price of $599,900 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 19538 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 19538
To purchase the median home at $599,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,746.
Monthly Payment
$4,746
Income Required
$203,410
Principal & Interest
$3,696/mo
Down Payment (5%)
$29,995
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 19538.
Estimated Monthly Payment
$3,863
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