Luthersburg, PA 15848 housing market

What this means

• Prices. Home values are up 7.6% over the past year (U.S.: +1.2%), but still 6% below their 2022-23 peak.
• Supply. Listings are 57% below the 2017-19 norm: still a tight market.
• Negotiating. Buyer leverage is low (1/100; U.S.: 54) (as of Jul 2025): homes sell for about 20.0% below their final list price (as of Sep 2024); 0% of listings had a price cut (U.S.: 26%) (as of Jul 2025).
• Affordability. A mortgage on the typical home takes 19% of the median household income (U.S.: 35%); it takes about $43k a year to keep the payment at 30% of gross pay. That includes about $996 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $157 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. Leaning up: likely −7% to +10% over the next 12 months (67% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −6.8% to +9.5% (80% range; middle estimate +2.5%), chance of a rise 67%, of a 5%+ drop 14%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

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