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Mountain Top CDP, PA

ZIP 18707 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 18707

Median Home Value
$277,500
Median Rent
$629
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,783/mo PITI).

7%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

36.8 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 18707 in Mountain Top CDP, PA, a household would need roughly $76,000 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 $1,783. That sits below the local median household income ($105,281), 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
89.8%+37% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
4.1%-92% vs US avg
x
Mortgage-Free
32.9%-14% vs US avg
x
$277,500
Home Value
$629
Rent
1986
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached88.1%
  • 1-unit attached4.9%
  • 2-9 units4.3%
  • 10+ units0.0%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$277,500
Median rent$629
Owner-occupied89.8%
Vacant5.2%
Price-to-income2.6x
Est. income to buy$76,000