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Centre Hall borough, PA

ZIP 16828 — 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 16828

Median Home Value
$275,800
Median Rent
$747
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,772/mo PITI).

12%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

30.8 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 16828 in Centre Hall borough, PA, a household would need roughly $76,000 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 $1,772. That is roughly in line with the local median household income ($73,810). 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
85.8%+31% vs US avg
x
Vacancy Rate
6.0%-42% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
23.4%-53% vs US avg
x
Mortgage-Free
44.1%+15% vs US avg
x
$275,800
Home Value
$747
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 detached77.3%
  • 1-unit attached4.3%
  • 2-9 units5.6%
  • 10+ units0.8%
  • Mobile home & other12.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$275,800
Median rent$747
Owner-occupied85.8%
Vacant6.0%
Price-to-income3.7x
Est. income to buy$76,000