ZIP Code 19081 — Swarthmore borough, PA Demographics & Data

ZIP code 19081 covers Swarthmore, PA in Delaware County with a population of about 10,363.

At a glance, the area shows median age of 35.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 484, 610, 835; U.S. House district PA-5; the PHILADELPHIA media market.

Swarthmore, PA sits in a university / college context (near swarthmore college (0.6 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 19081 is about $129,973 — about 73% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 5.6%; 65.5% of adults with a bachelor’s degree or higher (about 31.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Finance and insurance; about 13.7% of workers reporting work-from-home (about 1.5 points below 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 $333,600 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,307 (about 12% above the U.S. median rent ($1,163)), and owner-occupancy near 81.0% (about 15.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 19081 in Swarthmore, PA, a household would need roughly $92,000 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 $2,143. That sits below the local median household income ($129,973), 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 Swarthmore borough, PA as Relatively Moderate (composite score 92.9), which is among the highest nationally. The strongest component scores on US5 are flood (94.4) and hurricane (88.1). 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 Swarthmore borough, PA show little to no average snow and around 44.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 472 for ZIP 19081 (Swarthmore borough, 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.