15931 — Cambria County, Pennsylvania Market Snapshot
Housing market data for zip code 15931 in Cambria County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$182,500
Days to Sell
11
Homes Sold
14
Inventory
9
Sale-to-List
96.4%
New Listings
17
Price/SqFt
$98
Pending Sales
17
Conforming Loan Available
Most homebuyers in 15931 can comfortably use conventional financing. The median home price of $182,500 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
15931 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
The average home in 15931 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 15931 can comfortably use conventional financing. The median home price of $182,500 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 15931 are set at the county level.
2026 Loan Limits — Cambria 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 15931
To purchase the median home at $182,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,548.
Monthly Payment
$1,548
Income Required
$66,354
Principal & Interest
$1,125/mo
Down Payment (5%)
$9,125
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 15931.
Estimated Monthly Payment
$1,279
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