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Carroll Valley borough, PA

ZIP 17320 — 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 17320

Median Home Value
$283,000
Median Rent
$1,057
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,818/mo PITI).

15%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

22.3 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 17320 in Carroll Valley borough, PA, a household would need roughly $78,000 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 $1,818. That sits below the local median household income ($87,321), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
88.4%+35% vs US avg
x
Vacancy Rate
7.6%-27% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
35.1%-29% vs US avg
x
Mortgage-Free
25.1%-34% vs US avg
x
$283,000
Home Value
$1,057
Rent
1989
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 detached91.0%
  • 1-unit attached1.5%
  • 2-9 units3.1%
  • 10+ units0.6%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$283,000
Median rent$1,057
Owner-occupied88.4%
Vacant7.6%
Price-to-income3.2x
Est. income to buy$78,000