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Girard borough, PA

ZIP 16417 — 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 16417

Median Home Value
$179,900
Median Rent
$554
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,156/mo PITI).

8%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.1 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 16417 in Girard borough, PA, a household would need roughly $50,000 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 $1,156. That sits below the local median household income ($80,410), 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
76.9%+18% vs US avg
x
Vacancy Rate
8.2%-20% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.6%-54% vs US avg
x
Mortgage-Free
38.0%-1% vs US avg
x
$179,900
Home Value
$554
Rent
1975
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached69.1%
  • 1-unit attached1.6%
  • 2-9 units10.9%
  • 10+ units3.8%
  • Mobile home & other14.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$179,900
Median rent$554
Owner-occupied76.9%
Vacant8.2%
Price-to-income2.2x
Est. income to buy$50,000