ZIP Code 15522 Housing Market
ZIP code 15522 is located in Bedford County, Pennsylvania. Based on the FHFA House Price Index, the most recent annual HPI value is 251.3 (2000 = 100) , with a year-over-year change of +2.05% as of 2025.
📈 15522 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
The housing market in ZIP code 15522, located in Bedford County, Pennsylvania, exhibits a distinct pattern of accelerated appreciation followed by stabilization. The Home Price Index (HPI) has risen from 184.25 in 2021 to 251.34 in 2025, representing a cumulative gain of approximately 36.4% over four years. This trajectory indicates a period of significant price expansion, particularly between 2024 and 2025, where the index jumped from 246.28 to 251.34. The recent year-over-year increase of 2.05% suggests that the market has entered a phase of relative stability after the sharp upward trend observed in previous years. When compared to broader regional metrics, ZIP 15522 is currently underperforming relative to both its parent county and the state of Pennsylvania. The county’s year-over-year growth stands at 2.67%, while the state average is 3.89%. This divergence signals that local price growth is moderating at a faster rate than the surrounding region, potentially indicating a localized saturation of demand or a shift in buyer sentiment specific to this micro-market. Despite this slower recent pace, the absolute HPI level of 251.3 remains well above the 2000 baseline of 100, reflecting long-term equity accumulation. The sub-market character of ZIP 15522 aligns with entry-level to mid-range ownership rather than luxury segments. The parent county’s median home value of $179,000 and median household income of $59,992 suggest a price-sensitive demographic. With an owner-occupancy rate of 77.5%, the area maintains a strong base of homeowner investment, though the median gross rent of $784 indicates a viable rental alternative for lower-income households. For prospective buyers, the current environment presents an opportunity to enter a market that has already realized substantial appreciation but is now growing at a pace slightly below the state average. The 7.40% national mortgage rate remains a significant cost factor, but the stabilized price trajectory in 15522 may offer more predictable monthly payment structures compared to the rapid inflation seen in 2024.
About This ZIP Code
ZIP code 15522 is one of the most active real estate sub-markets in Bedford County, Pennsylvania. The FHFA House Price Index tracks cumulative price appreciation since 2000, providing a consistent measure of long-term value change in this specific ZIP area.
For full county-level context, see the Bedford County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Data Source: FHFA House Price Index for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100). Data as of 2025. This product uses FHFA Data but is neither endorsed nor certified by FHFA.