16365 — Warren County, Pennsylvania Market Snapshot
Housing market data for zip code 16365 in Warren County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$139,700
Days to Sell
11
Homes Sold
20
Inventory
19
Sale-to-List
95.6%
New Listings
49
Price/SqFt
$82
Pending Sales
21
Conforming Loan Available
Most homebuyers in 16365 can comfortably use conventional financing. The median home price of $139,700 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
16365 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 16365 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 16365 can comfortably use conventional financing. The median home price of $139,700 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 16365 are set at the county level.
2026 Loan Limits — Warren 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 16365
To purchase the median home at $139,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,220.
Monthly Payment
$1,220
Income Required
$52,300
Principal & Interest
$861/mo
Down Payment (5%)
$6,985
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 16365.
Estimated Monthly Payment
$1,015
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