15728 — Indiana County, Pennsylvania Market Snapshot
Housing market data for zip code 15728 in Indiana County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$129,950
Days to Sell
98
Homes Sold
10
Inventory
10
Sale-to-List
97.6%
New Listings
11
Price/SqFt
$78
Pending Sales
11
Conforming Loan Available
Most homebuyers in 15728 can comfortably use conventional financing. The median home price of $129,950 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
With homes sitting for 98 days on average, 15728 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 15728 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 15728 can comfortably use conventional financing. The median home price of $129,950 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 15728 are set at the county level.
2026 Loan Limits — Indiana 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 15728
To purchase the median home at $129,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,146.
Monthly Payment
$1,146
Income Required
$49,099
Principal & Interest
$801/mo
Down Payment (5%)
$6,498
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 15728.
Estimated Monthly Payment
$954
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