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Lock Haven city, PA

ZIP 17745 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 17745

Median Home Value
$181,800
Median Rent
$687
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,168/mo PITI).

15%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

22.1 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 17745 in Lock Haven city, PA, a household would need roughly $50,000 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 $1,168. That is roughly in line with the local median household income ($53,602). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.4%-5% vs US avg
x
Vacancy Rate
13.7%+33% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
23.1%-53% vs US avg
x
Mortgage-Free
44.7%+17% vs US avg
x
$181,800
Home Value
$687
Rent
1965
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached59.6%
  • 1-unit attached3.5%
  • 2-9 units22.0%
  • 10+ units8.4%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,800
Median rent$687
Owner-occupied62.4%
Vacant13.7%
Price-to-income3.4x
Est. income to buy$50,000