19312 — Chester County, Pennsylvania Market Snapshot
Housing market data for zip code 19312 in Chester County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$990,000
Days to Sell
14
Homes Sold
36
Inventory
19
Sale-to-List
106.8%
New Listings
58
Price/SqFt
$395
Pending Sales
56
Jumbo Loan Likely Needed
The median home in 19312 at $990,000 exceeds the 2026 conforming loan limit of $832,750 by $157,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 19312 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 19312 are selling 6.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 19312 at $990,000 exceeds the 2026 conforming loan limit of $832,750 by $157,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 19312 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 19312
To purchase the median home at $990,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,735.
Monthly Payment
$7,735
Income Required
$331,503
Principal & Interest
$6,100/mo
Down Payment (5%)
$49,500
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 19312.
Estimated Monthly Payment
$6,277
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