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Luzerne borough, PA

ZIP 18709 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 18709

Median Home Value
$113,700
Median Rent
$662
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$730/mo PITI).

21%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.3 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 18709 in Luzerne borough, PA, a household would need roughly $31,000 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 $730. That sits below the local median household income ($38,547), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
57.6%-12% vs US avg
x
Vacancy Rate
8.9%-13% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
9.0%-29% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
40.0%-19% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$113,700
Home Value
$662
Rent
1942
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached68.0%
  • 1-unit attached10.1%
  • 2-9 units13.9%
  • 10+ units8.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$113,700
Median rent$662
Owner-occupied57.6%
Vacant8.9%
Price-to-income2.9x
Est. income to buy$31,000