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Northumberland borough, PA

ZIP 17857 — 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 17857

Median Home Value
$191,800
Median Rent
$711
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,232/mo PITI).

13%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 17857 in Northumberland borough, PA, a household would need roughly $53,000 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 $1,232. That sits below the local median household income ($64,306), 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
74.8%+14% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
82.2%-5% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.1%-35% vs US avg
x
Mortgage-Free
45.3%+18% vs US avg
x
$191,800
Home Value
$711
Rent
1967
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached71.1%
  • 1-unit attached11.2%
  • 2-9 units9.8%
  • 10+ units3.1%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,800
Median rent$711
Owner-occupied74.8%
Vacant6.5%
Price-to-income3.0x
Est. income to buy$53,000