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York city, PA

ZIP 17404 — 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 17404

Median Home Value
$176,200
Median Rent
$939
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,132/mo PITI).

15%
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.

15.6 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 17404 in York city, PA, a household would need roughly $49,000 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 $1,132. That sits below the local median household income ($75,882), 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
70.7%+8% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
32.0%-16% vs US avg
x
$176,200
Home Value
$939
Rent
1961
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 detached51.3%
  • 1-unit attached29.8%
  • 2-9 units11.4%
  • 10+ units5.3%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,200
Median rent$939
Owner-occupied70.7%
Vacant4.1%
Price-to-income2.3x
Est. income to buy$49,000