15697 — Westmoreland County, Pennsylvania Market Snapshot
Housing market data for zip code 15697 in Westmoreland County, Pennsylvania. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$134,000
Days to Sell
121
Homes Sold
10
Inventory
15
Sale-to-List
96.6%
New Listings
14
Price/SqFt
$95
Pending Sales
12
Conforming Loan Available
Most homebuyers in 15697 can comfortably use conventional financing. The median home price of $134,000 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 121 days on average, 15697 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 15697 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 15697 can comfortably use conventional financing. The median home price of $134,000 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 15697 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 15697
To purchase the median home at $134,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,177.
Monthly Payment
$1,177
Income Required
$50,429
Principal & Interest
$826/mo
Down Payment (5%)
$6,700
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 15697.
Estimated Monthly Payment
$979
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