17401 — York County, Pennsylvania Market Snapshot
Housing market data for zip code 17401 in York 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
$182,387
Days to Sell
12
Homes Sold
10
Inventory
6
Sale-to-List
95.7%
New Listings
15
Price/SqFt
$75
Pending Sales
12
Conforming Loan Available
Most homebuyers in 17401 can comfortably use conventional financing. The median home price of $182,387 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
17401 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 17401 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 17401 can comfortably use conventional financing. The median home price of $182,387 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 17401 are set at the county level.
2026 Loan Limits — York 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 17401
To purchase the median home at $182,387 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,547.
Monthly Payment
$1,547
Income Required
$66,317
Principal & Interest
$1,124/mo
Down Payment (5%)
$9,119
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 17401.
Estimated Monthly Payment
$1,279
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