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James City CDP, PA

ZIP 16734 — 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 16734

Median Home Value
$53,900
Median Rent
$573
Affordability Snapshot
$15,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$346/mo PITI).

11%
Rent-to-Income Ratio

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

0.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

7.8 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 16734 in James City CDP, PA, a household would need roughly $15,000 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 $346. That sits below the local median household income ($64,028), 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
75.7%+16% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
97.3%+12% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.6%-89% vs US avg
x
Mortgage-Free
85.7%+124% vs US avg
x
$53,900
Home Value
$573
Rent
1938
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 detached75.9%
  • 1-unit attached0.0%
  • 2-9 units15.2%
  • 10+ units0.0%
  • Mobile home & other8.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$53,900
Median rent$573
Owner-occupied75.7%
Vacant6.3%
Price-to-income0.8x
Est. income to buy$15,000