19087 — Chester County, Pennsylvania Market Snapshot
Housing market data for zip code 19087 in Chester County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$327,000
Days to Sell
41
Homes Sold
23
Inventory
14
Sale-to-List
98.8%
New Listings
29
Price/SqFt
$293
Pending Sales
28
Conforming Loan Available
Most homebuyers in 19087 can comfortably use conventional financing. The median home price of $327,000 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
19087's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 19087 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 19087 can comfortably use conventional financing. The median home price of $327,000 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 19087 are set at the county level.
2026 Loan Limits — Chester County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $630,200 |
| 2 Units | $1,066,250 | $806,750 |
| 3 Units | $1,288,800 | $975,200 |
| 4 Units | $1,601,750 | $1,211,950 |
Affordability Snapshot — Zip 19087
To purchase the median home at $327,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,655.
Monthly Payment
$2,655
Income Required
$113,802
Principal & Interest
$2,015/mo
Down Payment (5%)
$16,350
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 19087.
Estimated Monthly Payment
$2,174
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