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Cross Roads borough, PA

ZIP 17322 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 17322

Median Home Value
$242,700
Median Rent
$1,000
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,559/mo PITI).

11%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.2 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 17322 in Cross Roads borough, PA, a household would need roughly $67,000 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 $1,559. That sits below the local median household income ($107,816), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
95.2%+46% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
25.6%-48% vs US avg
x
Mortgage-Free
26.3%-31% vs US avg
x
$242,700
Home Value
$1,000
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 detached93.1%
  • 1-unit attached2.5%
  • 2-9 units0.9%
  • 10+ units0.0%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$242,700
Median rent$1,000
Owner-occupied95.2%
Vacant3.1%
Price-to-income2.3x
Est. income to buy$67,000