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Garrett borough, PA

ZIP 15542 — 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 15542

Median Home Value
$105,400
Median Rent
$482
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$677/mo PITI).

11%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.2 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 15542 in Garrett borough, PA, a household would need roughly $29,000 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 $677. That sits below the local median household income ($51,827), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.3%+40% vs US avg
x
Vacancy Rate
14.2%+37% vs US avg
x
Broadband Access
70.2%-19% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
5.2%-60% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.6%-48% vs US avg
x
Mortgage-Free
63.9%+67% vs US avg
x
$105,400
Home Value
$482
Rent
1955
Year Built
1998
Moved In

Residents have lived here since ~1998 on average

Housing Structure

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

  • 1-unit detached79.2%
  • 1-unit attached0.0%
  • 2-9 units4.8%
  • 10+ units0.0%
  • Mobile home & other16.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$105,400
Median rent$482
Owner-occupied91.3%
Vacant14.2%
Price-to-income2.0x
Est. income to buy$29,000