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, PA

ZIP 18038 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 18038

Median Home Value
$248,200
Median Rent
$1,344
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,594/mo PITI).

14%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.4 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 18038 in PA, a household would need roughly $68,000 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 $1,594. That sits below the local median household income ($111,515), 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

Historic housing stock (25% built before 1939)

Owner Occupied
95.9%+47% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
80.2%-8% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
24.8%+93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
49.3%+29% vs US avg
x
$248,200
Home Value
$1,344
Rent
1968
Year Built
1995
Moved In

Residents have lived here since ~1995 on average

Housing Structure

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

  • 1-unit detached94.0%
  • 1-unit attached2.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,200
Median rent$1,344
Owner-occupied95.9%
Vacant5.5%
Price-to-income2.2x
Est. income to buy$68,000