18428 — Pike County, Pennsylvania Market Snapshot
Housing market data for zip code 18428 in Pike County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
73 sales in 2026 (year to date)
Median Sale Price
$345,000
Days to Sell
60
Homes Sold
73
Inventory
137
Sale-to-List
95.9%
New Listings
158
Price/SqFt
$170
Pending Sales
103
Conforming Loan Available
Most homebuyers in 18428 can comfortably use conventional financing. The median home price of $345,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 60 days on average, 18428 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 18428 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 18428 can comfortably use conventional financing. The median home price of $345,000 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 18428 are set at the county level.
2026 Loan Limits — Pike County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $541,287 |
| 2 Units | $1,548,975 | $693,050 |
| 3 Units | $1,872,225 | $837,700 |
| 4 Units | $2,326,875 | $1,041,125 |
Affordability Snapshot — Zip 18428
To purchase the median home at $345,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,793.
Monthly Payment
$2,793
Income Required
$119,712
Principal & Interest
$2,126/mo
Down Payment (5%)
$17,250
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 18428.
Estimated Monthly Payment
$2,285
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 18428. Tell us what you're looking for.