19454 — Montgomery County, Pennsylvania Market Snapshot
Housing market data for zip code 19454 in Montgomery County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$467,500
Days to Sell
21
Homes Sold
30
Inventory
21
Sale-to-List
103.2%
New Listings
53
Price/SqFt
$264
Pending Sales
41
Conforming Loan Available
Most homebuyers in 19454 can comfortably use conventional financing. The median home price of $467,500 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 19454 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 19454 are selling 3.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 19454 can comfortably use conventional financing. The median home price of $467,500 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 19454 are set at the county level.
2026 Loan Limits — Montgomery County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $630,200 |
| 2 Units | $1,066,250 | $806,750 |
| 3 Units | $1,288,800 | $975,200 |
| 4 Units | $1,601,750 | $1,211,950 |
Affordability Snapshot — Zip 19454
To purchase the median home at $467,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,732.
Monthly Payment
$3,732
Income Required
$159,936
Principal & Interest
$2,881/mo
Down Payment (5%)
$23,375
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 19454.
Estimated Monthly Payment
$3,043
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