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, PA

ZIP 18812 — 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 18812

Median Home Value
$238,500
Median Rent
$596
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,532/mo PITI).

8%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.3 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 18812 in PA, a household would need roughly $66,000 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 $1,532. That sits below the local median household income ($85,417), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.1%+36% vs US avg
x
Vacancy Rate
31.0%+201% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
51.0%+34% vs US avg
x
$238,500
Home Value
$596
Rent
1980
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached90.1%
  • 1-unit attached0.4%
  • 2-9 units0.4%
  • 10+ units0.0%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$238,500
Median rent$596
Owner-occupied89.1%
Vacant31.0%
Price-to-income2.8x
Est. income to buy$66,000