ZIP Code 15038 — Elrama CDP, PA Demographics & Data

ZIP code 15038 covers Elrama, PA in Washington County with a population of about 268.

At a glance, the area shows median age of 43.4 versus a U.S. median of about 38.9.

It sits in telephone area code 412; U.S. House district PA-14; the PITTSBURGH media market.

Median household income in ZIP 15038 is about $32,278 — about 57% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 45.1%; unemployment rate near 7.4%; 6.4% of adults with a bachelor’s degree or higher (about 27.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Arts and entertainment; about 53.0% of workers reporting work-from-home (about 37.8 points above the U.S. share (15.2%)); a mean commute of about 31.0 minutes (U.S. average near 26.8).

Median home value is about $92,300 — about 73% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 31.9% (about 33.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 15038 in Elrama, PA, a household would need roughly $25,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $593. That sits below the local median household income ($32,278), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Elrama CDP, PA as Relatively Moderate (composite score 83.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.4) and hurricane (59.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Elrama CDP, PA show little to no average snow and around 40.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 12 for ZIP 15038 (Elrama CDP, PA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.