18344 — Monroe County, Pennsylvania Market Snapshot
Housing market data for zip code 18344 in Monroe 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
$294,450
Days to Sell
21
Homes Sold
10
Inventory
12
Sale-to-List
97.5%
New Listings
21
Price/SqFt
$190
Pending Sales
15
Conforming Loan Available
Most homebuyers in 18344 can comfortably use conventional financing. The median home price of $294,450 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
Homes in 18344 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 18344 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 18344 can comfortably use conventional financing. The median home price of $294,450 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 18344 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 18344
To purchase the median home at $294,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,406.
Monthly Payment
$2,406
Income Required
$103,114
Principal & Interest
$1,814/mo
Down Payment (5%)
$14,723
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 18344.
Estimated Monthly Payment
$1,972
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