18403 — Lackawanna County, Pennsylvania Market Snapshot
Housing market data for zip code 18403 in Lackawanna County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$242,500
Days to Sell
21
Homes Sold
16
Inventory
20
Sale-to-List
97.4%
New Listings
33
Price/SqFt
$155
Pending Sales
25
Conforming Loan Available
Most homebuyers in 18403 can comfortably use conventional financing. The median home price of $242,500 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
Homes in 18403 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 18403 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 18403 can comfortably use conventional financing. The median home price of $242,500 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 18403 are set at the county level.
2026 Loan Limits — Lackawanna 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 18403
To purchase the median home at $242,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,008.
Monthly Payment
$2,008
Income Required
$86,055
Principal & Interest
$1,494/mo
Down Payment (5%)
$12,125
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 18403.
Estimated Monthly Payment
$1,651
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