15401 — Fayette County, Pennsylvania Market Snapshot
Housing market data for zip code 15401 in Fayette County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$177,500
Days to Sell
71
Homes Sold
64
Inventory
81
Sale-to-List
94.3%
New Listings
74
Price/SqFt
$128
Pending Sales
83
Conforming Loan Available
Most homebuyers in 15401 can comfortably use conventional financing. The median home price of $177,500 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
With homes sitting for 71 days on average, 15401 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 15401 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 15401 can comfortably use conventional financing. The median home price of $177,500 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 15401 are set at the county level.
2026 Loan Limits — Fayette 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 15401
To purchase the median home at $177,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,510.
Monthly Payment
$1,510
Income Required
$64,712
Principal & Interest
$1,094/mo
Down Payment (5%)
$8,875
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 15401.
Estimated Monthly Payment
$1,249
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