19103 — Philadelphia County, Pennsylvania Market Snapshot
Housing market data for zip code 19103 in Philadelphia County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
113 sales in 2026 (year to date)
Median Sale Price
$450,000
Days to Sell
65
Homes Sold
113
Inventory
230
Sale-to-List
97.0%
New Listings
194
Price/SqFt
$465
Pending Sales
156
Conforming Loan Available
Most homebuyers in 19103 can comfortably use conventional financing. The median home price of $450,000 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
With homes sitting for 65 days on average, 19103 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
The average home in 19103 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 19103 can comfortably use conventional financing. The median home price of $450,000 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 19103 are set at the county level.
2026 Loan Limits — Philadelphia 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 19103
To purchase the median home at $450,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,598.
Monthly Payment
$3,598
Income Required
$154,190
Principal & Interest
$2,773/mo
Down Payment (5%)
$22,500
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 19103.
Estimated Monthly Payment
$2,935
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