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Nicholson borough, PA

ZIP 18446 — 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 18446

Median Home Value
$200,000
Median Rent
$663
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,285/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

25.1 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 18446 in Nicholson borough, PA, a household would need roughly $55,000 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 $1,285. That sits below the local median household income ($64,868), 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

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.5%+26% vs US avg
x
Vacancy Rate
19.9%+93% vs US avg
x
Broadband Access
81.4%-6% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
53.7%+41% vs US avg
x
$200,000
Home Value
$663
Rent
1973
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached0.7%
  • 2-9 units5.8%
  • 10+ units1.2%
  • Mobile home & other15.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,000
Median rent$663
Owner-occupied82.5%
Vacant19.9%
Price-to-income3.1x
Est. income to buy$55,000