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Ford Cliff borough, PA

ZIP 16228 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 16228

Median Home Value
$100,000
Median Rent
$1,031
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$642/mo PITI).

19%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.1 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 16228 in Ford Cliff borough, PA, a household would need roughly $28,000 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 $642. That sits below the local median household income ($64,750), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
90.6%+39% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
82.9%-5% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
10.1%-21% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.3%-37% vs US avg
x
Mortgage-Free
59.7%+56% vs US avg
x
$100,000
Home Value
$1,031
Rent
1952
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached93.9%
  • 1-unit attached1.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$100,000
Median rent$1,031
Owner-occupied90.6%
Vacant5.0%
Price-to-income1.5x
Est. income to buy$28,000