18969 — Montgomery County, Pennsylvania Market Snapshot
Housing market data for zip code 18969 in Montgomery County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$380,500
Days to Sell
23
Homes Sold
34
Inventory
22
Sale-to-List
101.6%
New Listings
60
Price/SqFt
$229
Pending Sales
53
Conforming Loan Available
Most homebuyers in 18969 can comfortably use conventional financing. The median home price of $380,500 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 18969 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 18969 (101.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 18969 can comfortably use conventional financing. The median home price of $380,500 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 18969 are set at the county level.
2026 Loan Limits — Montgomery 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 18969
To purchase the median home at $380,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,065.
Monthly Payment
$3,065
Income Required
$131,369
Principal & Interest
$2,345/mo
Down Payment (5%)
$19,025
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 18969.
Estimated Monthly Payment
$2,505
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