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Tioga borough, PA

ZIP 16946 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 16946

Median Home Value
$157,000
Median Rent
$650
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,009/mo PITI).

15%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

20.1 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 16946 in Tioga borough, PA, a household would need roughly $43,000 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 $1,009. That sits below the local median household income ($52,083), 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

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.2%+27% vs US avg
x
Vacancy Rate
17.9%+74% vs US avg
x
Broadband Access
82.5%-5% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
58.3%+53% vs US avg
x
$157,000
Home Value
$650
Rent
1970
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached67.2%
  • 1-unit attached0.2%
  • 2-9 units8.5%
  • 10+ units0.0%
  • Mobile home & other24.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,000
Median rent$650
Owner-occupied83.2%
Vacant17.9%
Price-to-income3.0x
Est. income to buy$43,000