15904 — Somerset County, Pennsylvania Market Snapshot
Housing market data for zip code 15904 in Somerset 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
$187,000
Days to Sell
11
Homes Sold
21
Inventory
11
Sale-to-List
102.6%
New Listings
33
Price/SqFt
$113
Pending Sales
32
Conforming Loan Available
Most homebuyers in 15904 can comfortably use conventional financing. The median home price of $187,000 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
15904 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 15904 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 15904 can comfortably use conventional financing. The median home price of $187,000 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 15904 are set at the county level.
2026 Loan Limits — Somerset 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 15904
To purchase the median home at $187,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,583.
Monthly Payment
$1,583
Income Required
$67,831
Principal & Interest
$1,152/mo
Down Payment (5%)
$9,350
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 15904.
Estimated Monthly Payment
$1,307
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