18657 — Wyoming County, Pennsylvania Market Snapshot
Housing market data for zip code 18657 in Wyoming County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$282,580
Days to Sell
63
Homes Sold
22
Inventory
15
Sale-to-List
97.6%
New Listings
26
Price/SqFt
$149
Pending Sales
27
Conforming Loan Available
Most homebuyers in 18657 can comfortably use conventional financing. The median home price of $282,580 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, 18657 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 18657 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 18657 can comfortably use conventional financing. The median home price of $282,580 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 18657 are set at the county level.
2026 Loan Limits — Wyoming 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 18657
To purchase the median home at $282,580 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,315.
Monthly Payment
$2,315
Income Required
$99,216
Principal & Interest
$1,741/mo
Down Payment (5%)
$14,129
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 18657.
Estimated Monthly Payment
$1,899
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