ZIP Code 15642 — White Oak borough, PA Demographics & Data

ZIP code 15642 covers White Oak, PA in Westmoreland County with a population of about 46,727.

At a glance, the area shows median age of 44.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 724, 878; U.S. House district PA-12; the PITTSBURGH media market.

White Oak, PA sits in a university / college context (near west virginia junior college-united career institute (1.7 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 15642 is about $92,975 — about 24% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.1%; unemployment rate near 4.2%; 41.1% of adults with a bachelor’s degree or higher (about 7.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 16.1% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $236,000 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $769 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 84.8% (about 19.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 15642 in White Oak, PA, a household would need roughly $65,000 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 $1,516. That sits below the local median household income ($92,975), 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 White Oak borough, PA as Relatively Moderate (composite score 87.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (93.8) and hurricane (69.0). 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 White Oak borough, PA show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,128 for ZIP 15642 (White Oak borough, 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.