18055 — Northampton County, Pennsylvania Market Snapshot
Housing market data for zip code 18055 in Northampton County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$389,000
Days to Sell
7
Homes Sold
21
Inventory
13
Sale-to-List
102.3%
New Listings
34
Price/SqFt
$228
Pending Sales
31
Conforming Loan Available
Most homebuyers in 18055 can comfortably use conventional financing. The median home price of $389,000 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
18055 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 18055 are selling 2.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 18055 can comfortably use conventional financing. The median home price of $389,000 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 18055 are set at the county level.
2026 Loan Limits — Northampton 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 18055
To purchase the median home at $389,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,130.
Monthly Payment
$3,130
Income Required
$134,160
Principal & Interest
$2,397/mo
Down Payment (5%)
$19,450
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 18055.
Estimated Monthly Payment
$2,557
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