19505 — Berks County, Pennsylvania Market Snapshot
Housing market data for zip code 19505 in Berks County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$354,950
Days to Sell
39
Homes Sold
10
Inventory
7
Sale-to-List
97.8%
New Listings
14
Price/SqFt
$212
Pending Sales
11
Conforming Loan Available
Most homebuyers in 19505 can comfortably use conventional financing. The median home price of $354,950 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
19505's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 19505 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 19505 can comfortably use conventional financing. The median home price of $354,950 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 19505 are set at the county level.
2026 Loan Limits — Berks 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 19505
To purchase the median home at $354,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,870.
Monthly Payment
$2,870
Income Required
$122,979
Principal & Interest
$2,187/mo
Down Payment (5%)
$17,748
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 19505.
Estimated Monthly Payment
$2,347
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