16838 — Clearfield County, Pennsylvania Market Snapshot
Housing market data for zip code 16838 in Clearfield County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Clearfield County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$169,196
Days to Sell
45
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 16838 can comfortably use conventional financing. The median home price of $169,196 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
16838's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 16838 can comfortably use conventional financing. The median home price of $169,196 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 16838 are set at the county level.
2026 Loan Limits — Clearfield 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 16838
To purchase the median home at $169,196 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,446.
Monthly Payment
$1,446
Income Required
$61,985
Principal & Interest
$1,043/mo
Down Payment (5%)
$8,460
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 16838.
Estimated Monthly Payment
$1,197
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 16838. Tell us what you're looking for.