15622 — Somerset County, Pennsylvania Market Snapshot
Housing market data for zip code 15622 in Somerset County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$347,950
Days to Sell
128
Homes Sold
12
Inventory
21
Sale-to-List
89.3%
New Listings
11
Price/SqFt
$236
Pending Sales
9
Conforming Loan Available
Most homebuyers in 15622 can comfortably use conventional financing. The median home price of $347,950 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 128 days on average, 15622 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 15622 sells for 10.7% below asking price (89.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 15622 can comfortably use conventional financing. The median home price of $347,950 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 15622 are set at the county level.
2026 Loan Limits — Somerset 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 15622
To purchase the median home at $347,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,816.
Monthly Payment
$2,816
Income Required
$120,681
Principal & Interest
$2,144/mo
Down Payment (5%)
$17,398
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 15622.
Estimated Monthly Payment
$2,303
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