17866 — Northumberland County, Pennsylvania Market Snapshot
Housing market data for zip code 17866 in Northumberland County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$89,400
Days to Sell
66
Homes Sold
13
Inventory
17
Sale-to-List
96.1%
New Listings
15
Price/SqFt
$64
Pending Sales
15
Conforming Loan Available
Most homebuyers in 17866 can comfortably use conventional financing. The median home price of $89,400 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 66 days on average, 17866 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 17866 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 17866 can comfortably use conventional financing. The median home price of $89,400 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 17866 are set at the county level.
2026 Loan Limits — Northumberland 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 17866
To purchase the median home at $89,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $835.
Monthly Payment
$835
Income Required
$35,784
Principal & Interest
$551/mo
Down Payment (5%)
$4,470
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 17866.
Estimated Monthly Payment
$703
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