15089 — Westmoreland County, Pennsylvania Market Snapshot
Housing market data for zip code 15089 in Westmoreland County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$180,000
Days to Sell
47
Homes Sold
16
Inventory
9
Sale-to-List
96.1%
New Listings
18
Price/SqFt
$166
Pending Sales
16
Conforming Loan Available
Most homebuyers in 15089 can comfortably use conventional financing. The median home price of $180,000 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
15089's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 15089 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 15089 can comfortably use conventional financing. The median home price of $180,000 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 15089 are set at the county level.
2026 Loan Limits — Westmoreland 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 15089
To purchase the median home at $180,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,529.
Monthly Payment
$1,529
Income Required
$65,533
Principal & Interest
$1,109/mo
Down Payment (5%)
$9,000
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 15089.
Estimated Monthly Payment
$1,264
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