ZIP Code 16402 — Bear Lake borough, PA Demographics & Data

ZIP code 16402 covers Bear Lake, PA in Warren County with a population of about 570.

At a glance, the area shows median age of 54.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 582, 814; U.S. House district PA-15; the ERIE media market.

Bear Lake, PA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 16402 is about $54,783 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 7.8%; 10.9% of adults with a bachelor’s degree or higher (about 22.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Professional services; about 3.3% of workers reporting work-from-home (about 11.9 points below the U.S. share (15.2%)); a mean commute of about 177.0 minutes (U.S. average near 26.8).

Median home value is about $85,900 — about 75% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.6% (about 25.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 16402 in Bear Lake, PA, a household would need roughly $24,000 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 $552. That sits below the local median household income ($54,783), 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 Bear Lake borough, PA as Relatively Low (composite score 65.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (82.8) and hurricane (57.2). 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 Bear Lake borough, PA show little to no average snow and around 48.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 26 for ZIP 16402 (Bear Lake 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.