ZIP Code 17236 — Mercersburg borough, PA Demographics & Data

ZIP code 17236 covers Mercersburg, PA in Franklin County with a population of about 8,875.

At a glance, the area shows median age of 41.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 223, 717; U.S. House district PA-13; the HARRISBURG - LNCSTR - LEB - YORK media market.

Median household income in ZIP 17236 is about $81,074 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 2.7%; 21.5% of adults with a bachelor’s degree or higher (about 12.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 12.7% of workers reporting work-from-home (about 2.5 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 $250,100 — about 28% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $752 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 79.8% (about 14.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 17236 in Mercersburg, PA, a household would need roughly $69,000 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 $1,607. That sits below the local median household income ($81,074), 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 Mercersburg borough, PA as Relatively Low (composite score 76.4), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (85.6) and flood (84.3). 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 Mercersburg borough, PA show little to no average snow and around 35.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 404 for ZIP 17236 (Mercersburg 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.