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McSherrystown borough, PA

ZIP 17344 — 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 17344

Median Home Value
$203,600
Median Rent
$1,055
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,308/mo PITI).

18%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.1 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 17344 in McSherrystown borough, PA, a household would need roughly $56,000 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 $1,308. That sits below the local median household income ($71,688), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
59.8%-9% vs US avg
x
Vacancy Rate
5.2%-49% vs US avg
x
Broadband Access
83.7%-4% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.4%-37% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$203,600
Home Value
$1,055
Rent
1975
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached64.3%
  • 1-unit attached19.4%
  • 2-9 units13.1%
  • 10+ units3.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$203,600
Median rent$1,055
Owner-occupied59.8%
Vacant5.2%
Price-to-income2.8x
Est. income to buy$56,000