18229 — Carbon County, Pennsylvania Market Snapshot
Housing market data for zip code 18229 in Carbon County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$305,000
Days to Sell
28
Homes Sold
31
Inventory
22
Sale-to-List
96.9%
New Listings
51
Price/SqFt
$195
Pending Sales
47
Conforming Loan Available
Most homebuyers in 18229 can comfortably use conventional financing. The median home price of $305,000 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
Homes in 18229 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 18229 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 18229 can comfortably use conventional financing. The median home price of $305,000 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 18229 are set at the county level.
2026 Loan Limits — Carbon 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 18229
To purchase the median home at $305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,487.
Monthly Payment
$2,487
Income Required
$106,578
Principal & Interest
$1,879/mo
Down Payment (5%)
$15,250
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 18229.
Estimated Monthly Payment
$2,038
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