19438 — Montgomery County, Pennsylvania Market Snapshot
Housing market data for zip code 19438 in Montgomery County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$564,553
Days to Sell
6
Homes Sold
38
Inventory
29
Sale-to-List
102.1%
New Listings
77
Price/SqFt
$233
Pending Sales
64
Conforming Loan Available
Most homebuyers in 19438 can comfortably use conventional financing. The median home price of $564,553 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
19438 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 19438 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 19438 can comfortably use conventional financing. The median home price of $564,553 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 19438 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 19438
To purchase the median home at $564,553 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,475.
Monthly Payment
$4,475
Income Required
$191,804
Principal & Interest
$3,479/mo
Down Payment (5%)
$28,228
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 19438.
Estimated Monthly Payment
$3,644
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