19565 — Berks County, Pennsylvania Market Snapshot
Housing market data for zip code 19565 in Berks County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$295,000
Days to Sell
11
Homes Sold
19
Inventory
4
Sale-to-List
101.3%
New Listings
22
Price/SqFt
$176
Pending Sales
24
Conforming Loan Available
Most homebuyers in 19565 can comfortably use conventional financing. The median home price of $295,000 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
19565 is an extremely competitive market with homes selling in just 11 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 19565 (101.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 19565 can comfortably use conventional financing. The median home price of $295,000 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 19565 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 19565
To purchase the median home at $295,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,410.
Monthly Payment
$2,410
Income Required
$103,294
Principal & Interest
$1,818/mo
Down Payment (5%)
$14,750
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 19565.
Estimated Monthly Payment
$1,976
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