18058 — Monroe County, Pennsylvania Market Snapshot
Housing market data for zip code 18058 in Monroe County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$439,750
Days to Sell
62
Homes Sold
24
Inventory
23
Sale-to-List
98.2%
New Listings
36
Price/SqFt
$190
Pending Sales
25
Conforming Loan Available
Most homebuyers in 18058 can comfortably use conventional financing. The median home price of $439,750 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 62 days on average, 18058 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
Homes are selling very close to asking price in 18058 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 18058 can comfortably use conventional financing. The median home price of $439,750 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 18058 are set at the county level.
2026 Loan Limits — Monroe 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 18058
To purchase the median home at $439,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,519.
Monthly Payment
$3,519
Income Required
$150,824
Principal & Interest
$2,710/mo
Down Payment (5%)
$21,988
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 18058.
Estimated Monthly Payment
$2,872
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