18444 — Lackawanna County, Pennsylvania Market Snapshot

Housing market data for zip code 18444 in Lackawanna County, Pennsylvania. Updated monthly with median prices, days on market, and more.

Data as of May 2026

Market Sales Data

27 sales in 2026 (year to date)

Source: Redfin

Median Sale Price

$350,000

4.5% YoYClosed sales

Days to Sell

67

Median, listing to close

Homes Sold

27

Closed in 2026

Inventory

18

Sale-to-List

95.8%

New Listings

32

Price/SqFt

$172

Pending Sales

31

Conforming Loan Available

Most homebuyers in 18444 can comfortably use conventional financing. The median home price of $350,000 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

With homes sitting for 67 days on average, 18444 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 18444 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.

Conforming Loan Feasibility

Most homebuyers in 18444 can comfortably use conventional financing. The median home price of $350,000 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 18444 are set at the county level.

2026 Loan Limits — Lackawanna 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 18444

To purchase the median home at $350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,832.

Monthly Payment

$2,832

Income Required

$121,354

Principal & Interest

$2,157/mo

Down Payment (5%)

$17,500

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 18444.

%
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Estimated Monthly Payment

$2,316

Principal & Interest$1,816
Property Tax$350
Insurance$150
Loan Amount$280,000
Total Interest$373,785
Income Required$99,260/yr

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