18510 — Lackawanna County, Pennsylvania Market Snapshot
Housing market data for zip code 18510 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
$261,500
Days to Sell
33
Homes Sold
16
Inventory
21
Sale-to-List
100.1%
New Listings
38
Price/SqFt
$132
Pending Sales
39
Conforming Loan Available
Most homebuyers in 18510 can comfortably use conventional financing. The median home price of $261,500 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
18510's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 18510 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 18510 can comfortably use conventional financing. The median home price of $261,500 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 18510 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 18510
To purchase the median home at $261,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,154.
Monthly Payment
$2,154
Income Required
$92,294
Principal & Interest
$1,611/mo
Down Payment (5%)
$13,075
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 18510.
Estimated Monthly Payment
$1,768
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