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Smock CDP, PA

ZIP 15480 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 15480

Median Home Value
$115,400
Median Rent
$765
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$741/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 15480 in Smock CDP, PA, a household would need roughly $32,000 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 $741. That sits below the local median household income ($43,491), 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.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.3%+17% vs US avg
x
Vacancy Rate
20.9%+103% vs US avg
x
Broadband Access
60.2%-31% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.4%-85% vs US avg
x
Mortgage-Free
66.0%+73% vs US avg
x
$115,400
Home Value
$765
Rent
1938
Year Built
1993
Moved In

Residents have lived here since ~1993 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.8%
  • 1-unit attached3.2%
  • 2-9 units1.4%
  • 10+ units0.0%
  • Mobile home & other14.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$115,400
Median rent$765
Owner-occupied76.3%
Vacant20.9%
Price-to-income2.7x
Est. income to buy$32,000