18848 — Bradford County, Pennsylvania Market Snapshot
Housing market data for zip code 18848 in Bradford County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$211,250
Days to Sell
34
Homes Sold
12
Inventory
13
Sale-to-List
98.3%
New Listings
15
Price/SqFt
$114
Pending Sales
15
Conforming Loan Available
Most homebuyers in 18848 can comfortably use conventional financing. The median home price of $211,250 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
18848's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 18848 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 18848 can comfortably use conventional financing. The median home price of $211,250 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 18848 are set at the county level.
2026 Loan Limits — Bradford 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 18848
To purchase the median home at $211,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,769.
Monthly Payment
$1,769
Income Required
$75,794
Principal & Interest
$1,302/mo
Down Payment (5%)
$10,563
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 18848.
Estimated Monthly Payment
$1,457
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