ZIP Code 17013 — Carlisle borough, PA Demographics & Data

ZIP code 17013 covers Carlisle, PA in Cumberland County with a population of about 37,738.

At a glance, the area shows median age of 39.4 (near the U.S. median).

It sits in telephone area codes 223, 717; U.S. House district PA-10; the HARRISBURG - LNCSTR - LEB - YORK media market.

Median household income in ZIP 17013 is about $68,150 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.3%; unemployment rate near 3.4%; 34.0% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 11.4% of workers reporting work-from-home (about 3.8 points below 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 $221,800 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $879 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 61.6% (about 3.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 17013 in Carlisle, PA, a household would need roughly $61,000 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 $1,425. That sits below the local median household income ($68,150), 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 Carlisle borough, PA as Relatively Moderate (composite score 86.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.1) and hurricane (87.4). 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 Carlisle borough, PA show little to no average snow and around 48.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,718 for ZIP 17013 (Carlisle borough, 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.