18642 — Luzerne County, Pennsylvania Market Snapshot
Housing market data for zip code 18642 in Luzerne County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$209,425
Days to Sell
27
Homes Sold
14
Inventory
6
Sale-to-List
96.5%
New Listings
16
Price/SqFt
$142
Pending Sales
19
Conforming Loan Available
Most homebuyers in 18642 can comfortably use conventional financing. The median home price of $209,425 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 18642 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 18642 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 18642 can comfortably use conventional financing. The median home price of $209,425 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 18642 are set at the county level.
2026 Loan Limits — Luzerne 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 18642
To purchase the median home at $209,425 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,755.
Monthly Payment
$1,755
Income Required
$75,195
Principal & Interest
$1,290/mo
Down Payment (5%)
$10,471
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 18642.
Estimated Monthly Payment
$1,446
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 18642. Tell us what you're looking for.