ZIP Code 19012 — Cheltenham Village CDP, PA Demographics & Data

ZIP code 19012 covers Cheltenham Village, PA in Montgomery County with a population of about 6,787.

At a glance, the area shows median age of 40.0 (near the U.S. median).

It sits in telephone area codes 215, 267, 445; U.S. House district PA-4; the PHILADELPHIA media market.

Cheltenham Village, PA sits in a university / college context (near gratz college (1.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 19012 is about $117,614 — about 57% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 5.3%; 42.9% of adults with a bachelor’s degree or higher (about 9.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 19.3% of workers reporting work-from-home (about 4.1 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 $320,600 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,170 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 84.0% (about 18.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 19012 in Cheltenham Village, PA, a household would need roughly $88,000 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 $2,059. That sits below the local median household income ($117,614), 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 Cheltenham Village CDP, PA as Relatively High (composite score 96.8), which is among the highest nationally. The strongest component scores on US5 are flood (98.2) and hurricane (89.9). 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 Cheltenham Village CDP, PA show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 309 for ZIP 19012 (Cheltenham Village 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.