15909 — Cambria County, Pennsylvania Market Snapshot
Housing market data for zip code 15909 in Cambria 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
$164,185
Days to Sell
5
Homes Sold
10
Inventory
9
Sale-to-List
94.8%
New Listings
18
Price/SqFt
$104
Pending Sales
15
Conforming Loan Available
Most homebuyers in 15909 can comfortably use conventional financing. The median home price of $164,185 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
15909 is an extremely competitive market with homes selling in just 5 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 15909 sells for 5.2% below asking price (94.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 15909 can comfortably use conventional financing. The median home price of $164,185 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 15909 are set at the county level.
2026 Loan Limits — Cambria 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 15909
To purchase the median home at $164,185 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,408.
Monthly Payment
$1,408
Income Required
$60,340
Principal & Interest
$1,012/mo
Down Payment (5%)
$8,209
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 15909.
Estimated Monthly Payment
$1,166
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