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Featured local agent — Cambridge Springs, PA
Sarah Mitchell
Compass Real Estate · Cambridge Springs, PA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cambridge Springs, PA Housing Market
The typical home in Cambridge Springs, PA is worth $196,215, rose 9.6% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $96,950, -52.6% year over year (through May 2026). With 2.0 months of supply and homes going under contract in about 97 days, Cambridge Springs is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $196,215 home is about $1,048/mo in principal and interest.
Key numbers for Cambridge Springs, PA
Typical home value
$196,215
+9.6% in 12 months
Zillow, August 2026
Median sale price
$96,950
-52.6% year over year
Redfin, through May 2026
Days on market
97
Slow-moving
Redfin, through May 2026
Active listings
2
2.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$57,321
Home costs 3.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.7%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cambridge Springs a buyer's or seller's market?
Cambridge Springs, PA is a balanced market, based on 2.0 months of supply and homes selling in about 97 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cambridge Springs housing market data show?
Every row below is Redfin's final published month for Cambridge Springs, PA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $96,950 |
| Median list price | $134,900 |
| Year-over-year price change | -52.6% |
| Median price per sq ft | $80/sq ft |
| Median days on market | 97 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 98.7% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cambridge Springs is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cambridge Springs is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cambridge Springs home prices moved?
Over the last three years the median sale price in Cambridge Springs, PA fell 20.5%, from $122,000 to $96,950. The live Zillow value series has rose 9.6% in the last 12 months, which is the more current read now that Redfin's series has stopped. For prices to fall meaningfully from here, supply would have to keep building past 2.0 months while the sale-to-list ratio slips below its current 98.7%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cambridge Springs?
Priced off the typical home value of $196,215 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $39,243 | $156,972 | $1,048/mo |
| 5% | $9,811 | $186,404 | $1,244/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,048, that implies roughly $44,893 a year before you add taxes and insurance. The median household in Cambridge Springs earns $57,321, about $12,428 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.4x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cambridge Springs in the next 12 months?
Tell us your timeline. We send the Cambridge Springs market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cambridge Springs?
Zillow does not publish a rent index (ZORI) for Cambridge Springs, PA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cambridge Springs?
Active listings in Cambridge Springs, PA went from 2 in January 2025 to 2 in May 2026, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| February 2025 | 4 | 2 |
| April 2025 | 1 | not published |
| June 2025 | 2 | 4 |
| July 2025 | 1 | not published |
| August 2025 | 2 | 3 |
| September 2025 | 5 | 3 |
| October 2025 | 4 | 1 |
| November 2025 | 5 | 2 |
| December 2025 | 6 | 1 |
| March 2026 | 5 | 3 |
| April 2026 | 5 | 1 |
| May 2026 | 2 | 1 |
Redfin, through May 2026
How does Cambridge Springs compare to Pennsylvania and the U.S.?
Cambridge Springs homes sell for $96,950 — 71% below the Pennsylvania median of $330,200. Against the national median of $410,700, Cambridge Springs runs 76% lower. Year-over-year, Cambridge Springs moved -52.6% against Pennsylvania's +5.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cambridge Springs, PA | $96,950 | -52.6% | 97 days |
| Pennsylvania statewide | $330,200 | +5.3% | 30 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cambridge Springs
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $196 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $196,215 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cambridge Springs listing goes under contract in 97 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 98.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Cambridge Springs added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +9.6% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cambridge Springs varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cambridge Springs
There are currently 2 homes listed for sale in Cambridge Springs, Pennsylvania. The median listing price is $135K.
Active listings
2
Homes on market
Median list price
$135K
Avg. days on market
97
Days until sale
New this week
1
Newly listed
How much do homes cost in Cambridge Springs by property type?
How the Cambridge Springs, PA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $96,950 | $80/sq ft | 1 | 97 days |
Who lives in Cambridge Springs?
American Community Survey estimates for Cambridge Springs. U.S. Census ACS, 2023
Population
2,357
Households
689
Median income
$57,321/yr
Median age
41 years
Owner-occupied
57.9%
Median home value
$107,200
Median gross rent
$640/mo
Mean commute
23.4 min
57.9% of occupied homes in Cambridge Springs are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $107,200 against Zillow's $196,215 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Cambridge Springs?
2 schools tracked · 741 students
The largest public schools serving Cambridge Springs, PA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Cambridge Springs El Sch
Grades K-6 · 382 students
Cambridge Springs JSHS
Grades 7-12 · 359 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Cambridge Springs, PA?
Ordered by distance from Cambridge Springs, not by size. Compare Cambridge Springs side by side with any of them.
Cambridge Springs housing market FAQ
Is Cambridge Springs a buyer's or seller's market?
Cambridge Springs, PA is currently a balanced market. That read comes from 2.0 months of supply, homes going under contract in about 97 days, and sellers getting 98.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Cambridge Springs?
The typical home in Cambridge Springs, PA is worth $196,215 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $96,950, about $80 per square foot.
Is Cambridge Springs cheaper than the rest of Pennsylvania?
Cambridge Springs's median sale price of $96,950 is 71% lower than the Pennsylvania statewide median of $330,200, and 76% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cambridge Springs?
Homes in Cambridge Springs, PA spent a median of 97 days on market before going under contract, versus 30 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Cambridge Springs?
At the current 30-year fixed rate of 7.03%, 20% down on a $196,215 home is about $1,048 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $44,893 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $57,321.
Are home prices rising in Cambridge Springs?
The typical home value in Cambridge Springs, PA rose 9.6% over the last 12 months, from $179,045 to $196,215 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cambridge Springs?
Cambridge Springs ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cambridge Springs?
That depends on your timeline, not on a headline. What the data says today: Cambridge Springs, PA is a balanced market with 2.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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