15613 — Westmoreland County, Pennsylvania Market Snapshot
Housing market data for zip code 15613 in Westmoreland County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$189,900
Days to Sell
104
Homes Sold
27
Inventory
34
Sale-to-List
95.9%
New Listings
37
Price/SqFt
$110
Pending Sales
45
Conforming Loan Available
Most homebuyers in 15613 can comfortably use conventional financing. The median home price of $189,900 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 104 days on average, 15613 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 15613 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 15613 can comfortably use conventional financing. The median home price of $189,900 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 15613 are set at the county level.
2026 Loan Limits — Westmoreland 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 15613
To purchase the median home at $189,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,605.
Monthly Payment
$1,605
Income Required
$68,784
Principal & Interest
$1,170/mo
Down Payment (5%)
$9,495
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 15613.
Estimated Monthly Payment
$1,325
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