ZIP Code 18435 — Masthope CDP, PA Demographics & Data

ZIP code 18435 covers Masthope, PA in Pike County with a population of about 906.

At a glance, the area shows median age of 65.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 272, 570; U.S. House district PA-8; the NEW YORK media market.

Masthope, PA fits a retirement-oriented profile (high share of residents 65+ (54.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 18435 is about $97,924 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.3%; unemployment rate near 9.8%; 51.0% of adults with a bachelor’s degree or higher (about 17.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 28.3% of workers reporting work-from-home (about 13.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $317,400 — about 9% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 18435 in Masthope, PA, a household would need roughly $87,000 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 $2,039. That sits below the local median household income ($97,924), 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.

FEMA’s National Risk Index rates natural-hazard risk for Masthope CDP, PA as Relatively Low (composite score 65.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (78.8) and hurricane (76.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Masthope CDP, PA show little to no average snow and around 45.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 18435 (Masthope CDP, PA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.