ZIP Code 16938 — undefined, PA Demographics & Data

ZIP code 16938 covers PA in Tioga County with a population of about 786.

At a glance, the area shows median age of 53.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 272, 570; U.S. House district PA-15; the ELMIRA (CORNING) media market.

Median household income in ZIP 16938 is about $73,929 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 0.2%; 21.9% of adults with a bachelor’s degree or higher (about 11.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Professional services, and Healthcare; about 29.3% of workers reporting work-from-home (about 14.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $187,500 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $588 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 90.1% (about 24.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 16938 in PA, a household would need roughly $52,000 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 $1,204. That sits below the local median household income ($73,929), 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 PA as Relatively Low (composite score 59.8), which is near the middle of the national distribution. The strongest component scores on US5 are flood (78.9) and hurricane (71.8). 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 PA show little to no average snow and around 42.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 36 for ZIP 16938 (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.