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Penfield 15849

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.PennsylvaniaBalanced market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Balanced market · 40
Buyer's marketBalancedSeller's market
$143K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
-16.2%
1-yr changeHow much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.
15
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$103K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Market temperature (0–100)How the 0 to 100 market score moved over time. It blends price growth, sales pace, how often homes change hands, and seller profits.Temperature
20172018202020212022202420252026
Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20172018202020212022202420252026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20172018202020212022202420252026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
20172018202020212022202420252026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20172018202020212022202420252026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20172018202020212022202420252026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20172018202020212022202420252026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20172018202020212022202420252026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20172018202020212022202420252026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20172018202020212022202420252026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
MarAug

Housing Stock

HomesHow many homes we have records for in this area.934
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$103K
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1952
Single familyThe share of homes here that are single-family houses.69%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.76%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.2.2%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.38%
Company ownedThe share of homes owned by a company or trust instead of a person.8.2%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.43.5 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.157
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.3%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.1,822
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.20 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$61K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78K
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.45%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Penfield 15849 compares

By median home value, Penfield 15849 is the 25th most expensive of 36 ZIP codes in Clearfield County, and its typical home is worth more than 37% of all homes in Clearfield County.

Home values in Penfield 15849

Share of homes at each estimated value.

Median
$27K$300K
ZIP codes in Clearfield County ranked by median home value
#Clearfield CountyMedian valueHomes
1Du Bois 15801$165K8,104
2Allport 16821$161K122
3Rockton 15856$157K415
4Morrisdale 16858$155K1,609
5Lanse 16849$143K153
6Luthersburg 15848$141K353
7Drifting 16834$140K141
8Clearfield 16830$134K5,359
9West Decatur 16878$132K765
1016847$131K144
11Ramey 16671$127K256
12Woodland 16881$124K873
13Curwensville 16833$124K2,077
14Munson 16860$121K192
15Olanta 16863$121K320
16Houtzdale 16651$120K1,541
17Grampian 16838$118K793
18Smithmill 16680$117K242
1916825$114K115
20Osceola Mills 16666$112K1,273
21Frenchville 16836$108K811
22Coalport 16627$108K848
23Wallaceton 16876$108K123
24Westover 16692$104K285
25Penfield 15849$103K934

36 ZIP codes in Clearfield County are ranked; the most valuable are listed here.

About the Penfield 15849 market

What is the median home price in Penfield 15849, PA?

The median sale price in Penfield 15849, PA is $142,500 (data through July 2026), based on deeds recorded with the county. That is down 16.2% from a year earlier.

How many homes sell in Penfield 15849, PA each year?

15 homes sold in Penfield 15849, PA over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Penfield 15849, PA a buyer's or seller's market?

Penfield 15849, PA is currently a balanced market, scoring 40 out of 100 on TopHap's market temperature index (data through July 2026). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Penfield 15849, PA?

Penfield 15849, PA contains 934 residential properties, with built around 1952. The median TopHap Estimate is $103K.

How does Penfield 15849, PA compare to the rest of Clearfield County?

By median home value, Penfield 15849, PA is the 25th most expensive of 36 ZIP codes in Clearfield County. Its typical home is worth more than 37% of all homes in Clearfield County. Westover 16692 ranks just above it. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Penfield 15849, PA?

38% of homes in Penfield 15849, PA are owner-occupied. 8% are held by a company rather than an individual.

How much equity do owners in Penfield 15849, PA hold?

76% of mortgaged homes in Penfield 15849, PA are equity-rich, meaning the loan balance is under half the home's value. 2.2% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Penfield 15849 on the map

See every recorded sale, price heat map, school zone and flood overlay across Penfield 15849 in TopHap’s interactive 3D map.

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