15632 — Westmoreland County, Pennsylvania Market Snapshot
Housing market data for zip code 15632 in Westmoreland 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
$385,000
Days to Sell
63
Homes Sold
21
Inventory
19
Sale-to-List
98.2%
New Listings
29
Price/SqFt
$181
Pending Sales
29
Conforming Loan Available
Most homebuyers in 15632 can comfortably use conventional financing. The median home price of $385,000 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 63 days on average, 15632 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
Homes are selling very close to asking price in 15632 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 15632 can comfortably use conventional financing. The median home price of $385,000 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 15632 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 15632
To purchase the median home at $385,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,100.
Monthly Payment
$3,100
Income Required
$132,846
Principal & Interest
$2,372/mo
Down Payment (5%)
$19,250
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 15632.
Estimated Monthly Payment
$2,533
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